How to actually compare plans, and questions to ask
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Medicare.gov's plan finder lets you enter your medications and preferred doctors, then see real cost estimates and star ratings for plans available in your zip code — it's the most reliable starting point, more reliable than a call center pitch or a mailer.
Before you choose, ask each plan directly: Are my doctors and hospitals in-network? Are my specific medications covered, and at what tier? What's the annual out-of-pocket maximum? Do I need referrals to see specialists? And what exactly do the dental, vision, or hearing benefits cover, in dollars? This is general information, not personalized advice — a licensed agent, your State Health Insurance Assistance Program (SHIP), or Medicare.gov can walk through your specific situation with you at no cost.
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