Choosing the right Medicare plan is crucial, as it affects your access to doctors, your out-of-pocket costs, and your overall satisfaction. Carruth Insurance is committed to helping you understand what’s available in Medicare and how to find the options best suited to your needs.

Understanding Different Parts of Medicare

Medicare consists of several parts:

• Part A (Hospital Insurance): Covers hospital stays, care in nursing facilities, hospice care, and some home health care.
• Part B (Medical Insurance): Covers certain doctors' services, outpatient care, medical supplies, and preventive services.
• Part C (Medicare Advantage Plans): Offers all Part A and Part B coverage and often includes Medicare Part D (prescription drug coverage).
• Part D (Prescription Drug Coverage): Covers the cost of prescription drugs.

What to Look for When Choosing a Medicare Plan

When exploring your Medicare options, consider the following:

• Coverage Needs: Assess what types of health services you need most.
• Budget: Look at premiums, deductibles, and other out-of-pocket costs.
• Doctor and Hospital Choice: Ensure your preferred doctors and hospitals are covered.
• Quality of Care: Check ratings of the plan for quality of service and customer satisfaction.

How to Find the Best Medicare Plan

• Compare Plans: Use the Medicare Plan Finder at medicare.gov to compare options in your area.
• Seek Assistance: Consult with a knowledgeable insurance agent who can provide personalized advice based on your specific health needs.

Selecting the right Medicare plan can seem daunting, but with the right information and support, it can be straightforward. Carruth Insurance is here to provide that support, offering clear, accurate, and relevant information to our community members in Mentor and Lake County. Don’t hesitate to reach out for help navigating your Medicare choices.