One of the most challenging situations about the new year is finding coverage that will fit your needs as well as your budget. You know right now the state of your health and needs for the most part but things change. You have to find a plan that gives you the coverage you need now but also the flexibility to change if your needs change in 2021. That’s tricky, especially when it comes to Medicare where you need to make selections before the calendar year so that you are covered and ready to go. There are times during the year where you can make changes, but you need to be as prepared before January as possible and also know what your options are.

As you start to breakdown different plans and options available for people on Medicare, you have to also take into consideration the coronavirus pandemic and how that may impact your options for care. Hopefully, we see a major decline in the amount of cases in 2021 but it will still be here and something that requires our attention. One thing you may want to look into is the coverage of telehealth costs under current Medicare plans. If you are able to meet with your doctor or other medical professionals remotely, it’s not a bad idea to utilize that option because it will give you a chance to avoid going out during the pandemic and still get quality care.

Medications are always an issue, mainly the cost and availability of them. Some pharmacies may run out or not carry a certain medication or the manufacturer you prefer. If that’s the case, you want to make sure you have the freedom to switch pharmacies and save in other ways as well. Finally, you need to have a plan as far as staying up on current regulations and any changes that may come your way throughout the year. Hiring a health insurance agent is a great idea because they can assist you with all these areas, help you create a proven and reliable plan for next year, ensure that you have the right coverage and also go over any changes to Medicare that could impact your coverage now or in the future. It’s a great option to have and it’s available at no cost.