When it comes to Medicare coverage, there are plenty of choices. You can opt for original Medicare, which gives you hospital coverage under Part A and outpatient coverage under Part B, and sign up for a Part D plan to go with it. There is also the option of enrolling in a Medicare Advantage plan instead which are often offered by private insurers and are required to provide at least the same level of coverage as original Medicare. These Advantage plans offer added benefits, like coverage for dental care, eye exams, hearing aids, and supplemental benefits.

If you are finding yourself unhappy with your health coverage, there's good news - you're not stuck with it all year. Medicare Advantage has an open enrollment period that runs from January 1 , 2021 - March 31, 2021. This period allows you to drop or switch over types of coverage based on your needs. If you do choose to sign up for an original Medicare plan, it's important to note that you will also need to sign up for a Part D drug plan to ensure prescription coverage. However, Medicare Advantage Plans are all-encompassing and will include coverage for prescriptions automatically.

Getting different coverage could make sense if you're not happy with your choice of providers or pharmacies, or if certain expenses are costing you more than anticipated. One important note is that you are only allowed to make one change during Medicare Advantage's open enrollment period. If you ae going to move to another Advantage Plan, research it carefully. You should read up on the costs and benefits it provides as well as the coverage it offers for your specific medications. Switching plans could be a smart decision that saves you money on healthcare and spares you a world of stress.