How to Use CoverRight?s Medicare Plan Finder

Wouldn't it be remarkable if there were a single, easy-to-use online resource that asked you a few straightforward questions and then surfaced the Medicare plans best suited to your life? And even more valuable — what if that same tool showed you exactly what each of your prescriptions would cost under every plan it recommended?

That tool exists — and it's more powerful than most people realize.

There's no need for a lengthy instruction manual here. A good Medicare plan finder is designed to be intuitive — you jump in, answer a handful of questions, and within minutes you're comparing plans tailored specifically to your needs, your budget, and your preferences for how you receive care.

• You start by answering some basic questions about your age and whether you smoke — nothing intrusive, and it takes less than a minute.
• Next, you share your coverage priorities. Are you comfortable paying a higher monthly premium for more comprehensive protection? Do you prefer the cost savings of a network-based plan, or do you need the flexibility to see out-of-network providers? How important are extras like dental, vision, or hearing coverage?
• The Medicare Plan Finder then recommends whether a Medicare Supplement Plan (Medigap) or a Medicare Advantage Plan is the better fit for your situation.
• Finally, the tool surfaces specific plans to consider, complete with monthly premium estimates and coverage details side-by-side.

And Now the Medicare Plan Finder Gets Even More Helpful

Here's where it becomes genuinely eye-opening: you enter the names of your prescription drugs and see, in real time, exactly how much each recommended plan would charge you for them every month.

For anyone currently taking prescription medications, this feature is invaluable. You'll see the precise monthly cost each plan assigns to your drugs, whether lower-cost generic alternatives are available, and a clear side-by-side comparison of drug coverage across multiple plans.

You really do have to see it to appreciate how much time it saves.

Consider what the alternative looks like. Trying to compare prescription drug coverage across Medicare plans by calling carriers one by one is an exercise in frustration.

I once tried exactly that. I called my existing Medicare PPO plan and asked, drug by drug, how much it covered — starting with Farxiga, then Multaq, then the others. Each inquiry took the representative around five minutes to research. By the time I'd covered all my medications, 45 minutes had passed.

Then I called a second plan. Another 45 minutes. Then a third.

The math was daunting: four or five plans, nearly an hour each. A good plan finder compresses all of that into a few minutes — and does it more accurately, too.

Your Next Step . . .

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