For the millions of Americans aged 65 and older, Medicare is a critical source of healthcare. And during the Annual Medicare Election Period, from October 15 to December 7, eligible individuals can select or make changes to their plans for 
2019. Experts say that this selection is vitally important and should be made with care.
“It’s a good idea to research potential plans and consider each element of them,” says Brian Evanko, who leads government programs at Cigna, including Cigna-HealthSpring, a provider of Medicare Advantage products. “Your goal should be to choose a plan that strikes the right balance between the benefits you will need and what you can afford.”
To help you choose a plan and get the most out of it, consider these tips from Cigna-HealthSpring experts:
• Define your priorities. Plans can vary widely, and certain plans go 
beyond the basics to include benefits like transportation assistance for medical appointments, fitness classes, discounts on home delivery of covered prescription medications, and even nutritious meals after hospital discharge. Plans for “special needs” are available for those with qualifying conditions, such as certain chronic diseases or eligibility for both Medicare and Medicaid. Taking the time to identify your health priorities and needs will help you evaluate plan options in an informed way.
• Know your network. The right plan will provide support to navigate a complex healthcare system, saving you time and money. Look for a plan that offers a team of providers committed to understanding your needs and delivering coordinated care. If you have favorite doctors or pharmacies, make sure they are in your network.
• Take advantage of preventive care opportunities. Preventive care saves lives and helps delay or avoid the onset of diseases. So, schedule your annual check-up and keep the appointment. Get to know your doctor and ask about any necessary screenings for your age and history. For more information on preventive care, visit www.cigna.com/takecontrol.
• Stay active. Incorporate exercise into your routine; it is essential for healthy aging. While original Medicare does not cover gym memberships or fitness programs, several Medicare Advantage plans offer these benefits as part of coverage, at no extra cost.
• Use free resources. To compare plans, utilize free resources like the Plan Finder from the Centers for Medicare & Medicaid Services, where plans are rated from one to five stars. Many insurance plans offer free, no-obligation seminars that explain the details of the plan. You can also check health plan websites or call customer service for more information. During this Annual Election Period, carefully consider your personal health circumstances and budgetary needs. The right plan will help maximize your physical and financial well-being, ensuring affordable access to the benefits you need year-round.
Source: StatePoint