1. Do you want to keep your doctors?
Some doctors take original Medicare but don't participate in Medicare Advantage plans, which operate like an HMO or PPO. Some doctors do the opposite. ask your doctors exactly what coverage they accept before making any changes.
2. Do you have pre-existing conditions?
Medicare covers you regardless, however, be careful if you want a supplemental Medicare plan (aka Medigap). If you have a condition, it can turn you down, charge you extra, or make you wait before the policy starts if you seek a policy six months or more after you enrolled in Part B.
3. Are you taking medications regularly?
Each Part D prescription plan differs over which drugs it covers and how they are covered. You can compare plans at medicare.gov/find-a-plan
4. Would you change pharmacies to save money?
Many Medicare Part D plans offer lower cost sharing on drugs if you go to the plan's preferred pharmacies or get your drugs delivered by mail.
Keep reading medicare checklist questions.