Your starting point depends on how you get coverage and what is changing in your life. Use this guide to find the right conversation, then compare the details of the plans available to you.
Coverage through work
Your employer chooses the plans offered and explains eligibility, payroll deductions, and enrollment deadlines. Ask for the plan summary, check your doctors and prescriptions, and compare dependent coverage costs.
Business owners can explore group benefits. Employees can get help with an existing plan.
Coverage for yourself or your family
If you are shopping for your own health insurance, compare more than the monthly premium. Consider expected care, the deductible, the provider network, and prescription costs. Ask about enrollment timing and possible financial assistance before selecting a plan.
Explore individual and family coverage.
Medicare coverage
Original Medicare includes hospital coverage (Part A) and medical coverage (Part B). You can consider separate prescription drug coverage and a Medicare Supplement policy. Medicare Advantage is a different way to receive Medicare benefits through a private plan; most include drug coverage.
These options work differently. Discuss doctors, prescriptions, travel, costs, and enrollment timing with an agent. Medicare eligibility can also begin before age 65 for some people.
Talk through your Medicare questions.
Before you change plans
- Confirm the new plan’s effective date.
- Check your providers and medicines for the exact plan.
- Understand your costs and any exclusions.
- Complete required enrollment steps and confirm coverage with the insurer.
Do not cancel current coverage until you understand how and when the replacement will begin.
Helpful references: Medicare.gov: the parts of Medicare and Your Health Idaho: enrollment after a life change.