09/17/2026
Choosing a Medicare plan is an important decision and a low premium or extra benefit does not always tell the whole story.
Before enrolling in a Medicare Advantage plan, take time to ask:
• Is my local hospital in the plan’s network?
• Are my doctors, specialists, pharmacy, home health and hospice providers covered?
• Will I need prior authorization for hospital stays, tests, treatments or rehabilitation?
• What will I pay for emergency care, hospital care and specialist visits?
• Can I receive care close to home, or will I be required to travel?
• What happens if a service is delayed or denied?
Your insurance choice can directly affect where you receive care and how quickly services are approved. Before enrolling, call your trusted healthcare providers and confirm that the plan works well with the local care you depend on.
Choose carefully. Ask questions. Protect your access to care close to home.