I just visited with a lady today and she asked me the question from the headline…”Which plan is the best?”

If I had a nickel for every time I’ve been asked that question I would be a very rich man. The answer is not as simple as it may seem it should be.

First and foremost, you must find a plan your doctor accepts or else change your doctor, which most people are not inclined to do. How about your medications? Does the plan cover meds you are taking? Which hospitals take the plan? How about specialists?

After you get through the “absolutes” from the previous paragraph, the you can check and see if it has dental coverage, gym memberships, vision coverage and other perks.

Of course, you also want the best value. Some plans with a zero premium are better than those with much higher monthly premiums.

If this is confusing, you are not alone. I suggest you meet with a full time medicare advisor that handles all the different plans. Avoid agents the work for one company. It is not in your best interest. I know from experience that there some very good advisors out there.