How to Choose and Enroll in a Medicare Advantage Plan

Take these steps to compare your options with the Medicare Plan Finder

Kimberly Lankford,

AARP

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En español

Published January 08, 2022

/ Updated May 07, 2024

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Kotryna Zukauskaite

After you enroll in Medicare, your first order of business is to decide whether you want to get coverage from original Medicare — the government-run program that includes Part A hospitalization coverage and Part B doctor and outpatient services — or a Medicare Advantage plan, which bundles Parts A and B and usually Part D prescription drug coverage. Private insurers sell Medicare Advantage plans, also known as Part C.

Most Medicare Advantage plans pay for services that original Medicare doesn’t cover, such as dental, hearing, vision care and prescription drugs. But they typically have provider networks, and you have to pay more or may not have coverage for a provider who is out of the plan’s network. You can enroll in a Medicare Advantage plan during the seven-month initial enrollment period surrounding your 65th birthday after you’ve enrolled in Parts A and B.

You can also sign up or switch plans during the annual open enrollment period, which runs from Oct. 15 to Dec. 7 each year. Your coverage will start Jan. 1. Because Medicare Advantage plan premiums, medical and drug coverage, out-of-pocket costs and provider networks can change from year to year, it’s a good idea to review your options during open enrollment each year. You may be able to sign up at other times if you qualify for a special enrollment period. And if you already have a Medicare Advantage plan, you can switch plans or go back to original Medicare during the Medicare Advantage open enrollment period from Jan. 1 to March 31.

Keep in mind that if you decide to return to original Medicare and you have a preexisting condition, you may have a difficult time getting a Medigap policy.

8 steps to choose and sign up for Medicare Advantage

The best way to compare Medicare Advantage plans available in your area is by using Medicare’s Plan Finder tool. Here’s a step-by-step guide:

1. You’ll see two options: Log in to your online Medicare account, or go to the second section, where you’ll enter your ZIP code and may need to select your county.

Choose Medicare Advantage Plan from the Select a plan type drop-down menu. Click the blue Apply button and then the green Start button.

Courtesy Medicare.gov

2. Indicate if you get help with your medical expenses. If you’re not sure, you can find out by logging in to your Medicare account.

3. If you don’t receive help, you’ll be asked if you want to see your drug costs when you compare plans. Click Yes, so you can get the best sense of how much you might spend with each plan.

4. Enter the names of your medications. Be sure to include those you take regularly to get a good estimate of ongoing costs.

You’ll also need to select the dosage and quantity, and indicate how frequently you need to refill your prescriptions. To add another medication, click Add Another Drug. When you’re finished, click Done Adding Drugs.

Courtesy Medicare.gov

5. Next, choose up to five pharmacies to fill your prescriptions. Many plans charge lower copayments for preferred pharmacies.

Enter the names of the pharmacies you use or search by your address or ZIP code. When you’re finished selecting pharmacies, click Done.

6. You’ll see a list of Medicare Advantage plans in your area. You can filter them according to the coverage you’re looking for.

For example, select Plan Benefits and check Vision, Dental, and Hearing. Under Drug Coverage, you can choose Includes drug coverage. And Special Needs Plans let you find a plan that provides coverage for a chronic condition, such as diabetes or end-stage renal disease.

You can sort your list. The default is Lowest drug + premium cost, but you can change that to Lowest yearly drug deductible, Lowest health plan deductible or Lowest monthly premium.

If a plan looks enticing, be sure to investigate the types of procedures and items covered and their costs before committing.

Courtesy Medicare.gov

7. You’ll get an estimate of each plan’s costs for your medications, premiums, deductible, copayments and maximum out-of-pocket expenses. Click the Plan Details button for more information about coverage and out-of-pocket expenses, like copayments for doctor appointments, diagnostic tests, X-rays, emergency care, inpatient and outpatient hospital coverage, physical and occupational therapy, and mental health services.

To see if your doctors are in network, visit the plan’s website. When you click Plan Details, you’ll see a Plan website link at the top of the listing. A link to View Provider Network Directory is under doctor services, which can also direct you to a plan’s website.

8. To sign up for a Medicare Advantage plan, click Enroll. You’ll need your Medicare number and the date your parts A and B coverage started.

Other methods:

You may be able to enroll by calling 800-MEDICARE (800-633-4227).
To sign up directly with the private insurer, click Plan Details and look for the plan’s phone number and website.
You can request an application and mail it.
An insurance agent may be able to help you enroll.

For additional help signing up for a Medicare Advantage plan, contact your State Health Insurance Assistance Program.

After you’ve signed up for a plan, you may be required to pay a monthly premium to the insurance company, although many plans don’t charge one. You’ll also pay your Part B premiums to Medicare. Find out if you are eligible for financial assistance to help pay for Medicare premiums and out-of-pocket costs

Video: What’s the Difference Between Original Medicare and Medicare Advantage?

This story, originally published Jan. 28, 2022, was updated with 2024 information.

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Kimberly Lankford is a contributing writer who covers Medicare and personal finance. She wrote about insurance, Medicare, retirement and taxes for more than 20 years at Kiplinger’s Personal Finance and has written for The Washington Post and Boston Globe. She received the personal finance Best in Business award from the Society of American Business Editors and Writers and the New York State Society of CPAs’ excellence in financial journalism award for her guide to Medicare.

How to Choose and Enroll in a Medicare Advantage Plan

Take these steps to compare your options with the Medicare Plan Finder

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