Helping Your Loved Ones Make the Best Choice

Last Updated: May 2025 Print This Article

As a caregiver or someone helping a friend or family member enroll in a Medicare plan, it’s important to consider the following before making this important decision.

Enrollment Periods

There are several times during the year when beneficiaries can enroll in Medicare. Discuss which one fits their situation.

Types of Medicare

Original Medicare includes Parts A and B and covers hospital and medical insurance. Part D is prescription drug coverage. Part C (Medicare Advantage) includes Parts A and B and usually D plus extras like dental, vision, hearing and more. Med Supp insurance plans help with the costs not covered by Original Medicare. Review these options together including the benefits, services and costs to determine the best fit. For additional information check out the FAQs.

Costs

There are monthly and yearly costs such as premiums, deductibles, copays and coinsurance. Explore if your loved one is eligible for any assistance programs to help pay for costs related to Medicare. It can be helpful to make a list of health-related expenses from the past year and discuss budget. This information can be a good starting point of conversation about the maximum amount your loved one can spend in a year.

Doctors

If keeping current doctors is important, review the provider directory that’s available from the health plans you’re considering. You can also contact the doctor’s office to inquire if they accept Medicare or a specific plan.

Prescription Drugs

Make a list of current medications and compare it to the plan formulary to ensure they’re all covered. It’s also helpful to check availability of pharmacies.

Travel

Lifestyle could have an impact on the best option for your loved one. If they travel often, they’ll want coverage for things like emergencies out of the country or prescriptions outside their home state.

Extra Benefits

If dental, vision, hearing and other extra benefits are essential, consider plans that offer all these benefits, like Medicare Advantage plans.

Legal Documents

If you’re making decisions for a loved one, you’ll want to ensure you have all the necessary legal documents. Contact a legal advisor or the Social Security office to find out the type of information you’ll need to help your loved one enroll.

Social Security Administration

Toll-free: 1-800-772-1213 (TTY: 1-800-325-0778)
8 a.m. to 7 p.m., Monday through Friday
SSA.gov

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