This is a question only you can answer after you have carefully reviewed all the information.  Here are some of the questions you will need to answer to help you make the right Medicare decision:

• Am I willing to pay a higher premium for low out of pocket expenses?
• Do I mind referrals?
• Do I want to select my own drug card?
• Do I mind a plan where I have to use a network?
• Do I regularly travel outside my home area?
• Do I want a plan that keeps the same benefits year in and year out?

There are two avenues to choose from if you want additional coverage beyond Medicare Part A and Part B

• Medicare Supplement plan (Medigap)
• Medicare Advantage plan

Contact DelVal Senior Advisors for help in finding the right Medicare Supplement (Medigap), Medicare Advantage plan, or prescription drug plan for your needs.