Checking Doctor and Prescription Drug Coverage
Ensuring that your preferred doctors and prescription drugs are covered by your Medicare Advantage Plan is crucial. Medicare Advantage Plan directories in 2026 will provide integrated information about in-network doctors and healthcare providers, streamlining the search process for users.
eHealth also offers tools to compare prescription drug coverage, showing how each plan covers your specific medications.
Check Doctor Availability
You can check if your doctor is included in a Medicare Advantage Plan’s network by visiting the plan’s website and using their searchable directory. Many plans allow searches by name or specialty, making it easy to confirm participation.
Alternatively, you can contact your healthcare provider directly to verify their network status.
Compare Prescription Drug Coverage
Comparing prescription drug coverage is straightforward with eHealth’s online tools. Users can enter their current medications into the comparison tool to see how each Medicare Advantage Plan covers their prescriptions. This feature helps you understand potential out-of-pocket costs and ensures that your medications are adequately covered.
The comparison tool is user-friendly and provides detailed information on drug coverage, including any applicable deductibles or co-pays. Inputting your medications helps you quickly identify which plans offer the best coverage for your specific needs, aiding in making an informed decision about your healthcare.
Enrollment Process with eHealth
Enrolling in a Medicare Advantage Plan through eHealth is a seamless process. Users have the option to enroll online or with the assistance of an agent over the phone.
Whether enrolling during Medicare’s annual enrollment period or due to a qualifying life event, eHealth’s platform ensures a smooth and efficient experience with no additional service fees.
Online Enrollment
The online enrollment process with eHealth is designed to be user-friendly and efficient. During Medicare’s Annual Enrollment Period, eHealth’s platform allows you to compare plans, fill out application forms, and enroll in a plan that meets your needs. The platform also offers real-time chat support, allowing you to ask questions and receive immediate assistance while completing your application.
Special enrollment period provide additional opportunities to enroll outside of the standard enrollment period. Experiencing a qualifying life event, such as losing other insurance coverage or moving to a new area, allows you to use eHealth’s platform to find and enroll in a suitable plan during your enrollment period.
Agent Assistance
For personalized guidance, eHealth’s licensed insurance agent is available to assist over the phone. These agents help navigate the enrollment process, answer questions, and ensure you select the best Medicare Advantage Plan for your needs.
This personalized support is invaluable for individual and family who may find the enrollment process complex or overwhelming.
Cost Considerations and Savings
Cost considerations for Medicare Advantage Plans in 2026 are crucial for budgeting and financial planning. Key points include:
- The standard monthly premium for Medicare Part B is expected to rise to $206.50, reflecting a substantial increase from the previous year.
- Part D premiums are anticipated to increase by about 6%.
- The base premium for Part D is estimated to rise from $36.78 to $38.99.
High-income beneficiaries will see significant increases in their premiums due to the Income-Related Monthly Adjustment Amount (IRMAA), affecting both Part B and Part D premiums. Being aware of these changes allows you to plan accordingly to manage your medical expenses effectively. The annual deductible for Medicare Part B is also projected to increase from $257 to $288, adding to the overall cost burden.
Despite cost increases, tools are available to help manage expenses. The Extra Help Estimator on eHealth’s platform can assist in determining eligibility for financial assistance with prescription drug costs. Additionally, the maximum annual out-of-pocket limit for Part D is set to cap at $2,100, which will help control prescription drug costs for beneficiaries. These measures can provide significant savings and make healthcare more affordable.
Special Enrollment Periods
Special Enrollment Periods (SEPs) offer flexibility for making changes to Medicare Advantage or drug coverage outside of standard enrollment periods. SEPs are triggered by specific life events such as:
- Moving to a new area
- Losing other insurance coverage
- Significant changes in your provider network These periods typically last for two full months after the qualifying event, providing a window to enroll in or switch plans.
For example, if you move outside your current Medicare Advantage Plan’s service area, you can switch to a new plan or revert to Original Medicare during your SEP. Similarly, if you lose employer or union coverage, you have 2 months after your coverage ends to join a Medicare plan.
Understanding SEPs ensures you can make timely adjustments to your coverage when life changes occur.
Additional Resources for Understanding Medicare Advantage
eHealth provides a wealth of resources to help users navigate the complexities of Medicare Advantage Plans. Resources include video tutorials that explain complex concepts in an easy-to-understand manner. On-demand videos offer insights into various Medicare topics, facilitating better understanding for users.
Additionally, eHealth offers comprehensive FAQs that address common questions regarding Medicare coverage and advantages. Medicare.gov will also feature a new drug-search tool in 2026, providing personalized cost comparisons for prescriptions at different pharmacies.
These resources are invaluable for anyone looking to make informed decisions about their healthcare coverage.
