Life Insurance: Questions to Ask Before You Buy
Start With the People Who Depend on You A life insurance review begins with your household, responsibilities, and goals. Think about the income you contribute,
Medicare Part C
An Alternative Way to Receive Medicare Benefits
Medicare Advantage — Part C
Medicare Advantage plans are offered by private insurers approved by Medicare. They provide an alternative way to receive Part A and Part B benefits, and most include Part D prescription drug coverage.
Compare the Plan Details
- Whether your doctors, hospitals, and pharmacies participate.
- Premiums, deductibles, copayments, and the annual limit for covered medical out-of-pocket costs.
- Your prescriptions and their place on the plan’s drug list.
- Referral or prior-authorization requirements.
- Any extra benefits and their limits.
You generally continue paying your Part B premium. A low or zero plan premium does not mean every service is free. Available plans and benefits depend on where you live.
Use Medicare’s Original Medicare and Medicare Advantage comparison as a starting point.
Prepare for a Review
Bring your ZIP Code, Medicare information, current coverage, provider list, and prescriptions. Call 908-603-7500 to discuss available options and which enrollment period applies to you.
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