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How Do I Choose the Right Plan for Me?

You’ve done your research. Now it’s time to pick your plan. Here’s a step-by-step list of what to do next. Keep in mind, if you need assistance at any time, we’re here to help you.

Prepare a list of essentials that your plan must have, such as dental, home care coverage, or transportation credits.
Use our Plan Finder to narrow down your choices based on your list of essentials. IMPORTANT: Don’t forget to contact the plan that you’re most interested in to be certain you meet the plan’s eligibility criteria.
Pay close attention to the plan premium. Many plans offer enhanced supplemental benefits for no added monthly premium or low added premiums.
Compare copays and any additional out-of-pocket costs across your selected plans. You may have to pay some or all of the Medicare Part D prescription drug plan’s copays, which will vary from plan to plan.
Be aware that plans may vary by area, with different benefits and associated costs.

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This information is issued on behalf of Highmark Wholecare, coverage by Gateway Health Plan, which is an independent licensee of the Blue Cross Blue Shield Association. Highmark Wholecare serves a Medicaid plan to Blue Shield members in 13 counties in central Pennsylvania, as well as, to Blue Cross Blue Shield members in 14 counties in western Pennsylvania. Highmark Wholecare serves Medicare Dual Special Needs plans (D-SNP) to Blue Shield members in 14 counties in northeastern Pennsylvania, 12 counties in central Pennsylvania, 5 counties in southeastern Pennsylvania, and to Blue Cross Blue Shield members in 27 counties in western Pennsylvania.

Health benefits or health benefit administration may be provided by or through Highmark Wholecare, coverage by Gateway Health Plan, an independent licensee of the Blue Cross Blue Shield Association (“Highmark Wholecare”). Highmark Wholecare offers HMO plans with a Medicare Contract. Enrollment in these plans depends on contract renewal.

Medicare Ombudsman Website Best Available Evidence

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