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How Does Medicare Compare to My Employer Health Plan?

September 5, 2018 by John Bush

With employer offered health plans having changed in recent years, it is a smart idea to compare your employer health plan to that of Medicare plans. Since looking at plans can be confusing, I recommend looking at a few areas to compare. Below I have listed questions I would advise seeking answers to so you can best compare. 

Questions to gather answers to about an employer health plan:
  • What is the Maximum-Out-of-Pocket of the plan?
  • What is the deductible of the plan?
  • What is the plan monthly premium?
  • Do you contribute to a Health Savings Account (HSA)?
  • Do you have a network of certain doctors & hospitals to see? If so, are my doctors in network?
  • How much are prescription copays?

With these questions in mind, learn about Medicare Options. 

Questions to ask about a Medicare Supplement Plan
  • What is the Maximum-Out-of-Pocket of the plan?
  • What is the deductible of the plan?
  • Will I have any copays?
  • What is the plan monthly premium?
Questions to ask about a Part D Prescription Drug Plan
  • What is the deductible of the plan? Does the deductible apply to all medications?
  • What will the copayments be on my medications
  • What is the plan monthly premium?
  • How do I compare plans and determine which could be a good fit for me?
Questions to ask about a Medicare Advantage Plan
  • Are my doctor(s) and hospital(s) in-network for the plan? If not, what costs would I incur?
  • Does the plan have a deductible?
  • What are the copays?
  • What is the Maximum-out-of-pocket for the plan?
  • What is the plan monthly premium?
  • If I travel, how would this plan work?

To learn more about the plans offered in your area contact me and I can provide a description as well as provide resources so you can compare.


About the Author

John Bush has been an independent insurance broker helping those on Medicare learn of their rights and options since 2010. He has helped many people find the right plan that is best for them. John is passionate about helping people in a manner that is easy to understand, resourceful, and non-pushy. John helps people get the best coverage for their premium dollar without sacrificing customer service.

Category iconEmployer Health Coverage,  Medicare,  Medicare Advantage,  Medicare Part D - Prescription Drug Plan,  Medicare Supplement

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Not connected with or endorsed by the United States Government or the federal Medicare program. Medicare has neither reviewed nor endorsed this information.

I do not offer every plan available in your area. Any information I provide is limited to those plans I do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

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