Medicare plans have become increasingly popular as of late and their usage rate will continue to grow. It's expected that enrollment in Medicare will rise to 79 million in 2030, according to AARP. If you're considering enrolling in a Medicare supplement plan, then you need to know the right questions to ask. Make sure to ask these questions.

1. What Is My Deductible, Cost Share, or Co-Pay?

You must ask about what your costs will be. Deductibles, cost share, and co-pays are all costs you can incur with a Medicare supplement plan. It's essential that you know exactly what the costs will be for your healthcare under the plan. You don't want any surprises.

2. Can I Continue to See My Doctor Under the Plan?

Many plans have in-network doctors that can help to keep costs down. However, if your doctor is not in the network, you'll have to pay additional out-of-pocket costs. The plan provider should be able to tell you if your doctor is an in-network provider and, if they aren't, how much you'll have to pay out of pocket for a visit.

3. Is There Care Covered That's Not Covered by Traditional Medicare?

Some supplemental plans will provide coverage that Medicare does not. For example, the plan may cover vision and dental or prescription drug coverage. These added value benefits can be a great way to get additional coverage that Medicare does not offer.

4. Do I Need Referrals for Specialty Care?

Some Medicare supplement plans require that your primary care provider submits referrals for specialist care. For example, if you need to see an orthopedic doctor or a physical therapist, then you may need to see your primary care provider first and get approval to see a specialist. Other plans allow you to self-refer and make the appointment on your own.

5. Do You Have a Nationwide Network of Providers?

Most plans have a nationwide network of providers, but you still need to ask the question. If you plan on traveling or even considering a move to another region in the future, then you need to know if your insurance coverage is valid wherever you go in the United States.

Choosing the right medicare supplement plan can be a challenge. Get professional support to find a plan that fits your healthcare needs and your lifestyle. Call R W Evenson, Inc now to get started.