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plans for you

To help you get started finding the right 2020 Medicare Advantage plan, we just need you to answer a few quick questions and we will provide you with some suggested plans that may fit your needs. You can research and purchase any of our plans here on our website, or learn more by speaking to a qualified Medicare representative or at one of our Your Blue Store locations.

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These questions are designed to help you choose a plan. We do not use your answers for any other purpose. Your answers will not affect your ability to get coverage or your monthly premiums. You can choose any plan we offer, not just the plans we recommend.

  1. Premiums
  2. Out-of-State Access
  3. Out-of-Pocket Maximum
  4. Chronic Conditions
  5. Dental Coverage
  6. Prescription Coverage

Do you prefer to pay a lower monthly premium if it means you would pay more when you go to a doctor or hospital?

Consider how often you might use doctors and labs over the next year, as well as how any premiums fit into your budget.

Next

Out-of-state care

Why we ask this question

Plans with a lower premium usually have higher out-of-pocket costs (such as deductibles, coinsurance, and copays) when services are required. Plans with a higher premium typically have lower costs. This question helps us decide whether you would be comfortable with a plan that requires a higher level of copay and out-of-pocket costs when you receive services in exchange for a lower premium.

  1. Premiums
  2. Out-of-State Access
  3. Out-of-Pocket Maximum
  4. Chronic Conditions
  5. Dental Coverage
  6. Prescription Coverage

Do you need nationwide access to doctors and pharmacies?

Different plans provide various levels of coverage for Out of state services.

Next

Out-of-pocket costs

Why we ask this question

Some plans do not offer coverage outside of Rhode Island. If you’re already seeing providers outside of the state or if you regularly travel, you may prefer to have a plan that provides coverage for these services.

  1. Premiums
  2. Out-of-State Access
  3. Out-of-Pocket Maximum
  4. Chronic Conditions
  5. Dental Coverage
  6. Prescription Coverage

Would you rather pay a higher monthly premium in order to pay less when you receive medical care?

If a higher monthly premium fits in your budget, and you expect to use medical services over the next year, you might want a plan with lower out-of-pocket costs.

Next

Chronic conditions

Why we ask this question

This helps us decide whether you would be comfortable with a plan that charges more each month in premiums in exchange for generally lower out-of-pocket costs when you receive services.

  1. Premiums
  2. Out-of-State Access
  3. Out-of-Pocket Maximum
  4. Chronic Conditions
  5. Dental Coverage
  6. Prescription Coverage

Do you have an ongoing medical condition that you are currently managing?

Managing conditions like diabetes, asthma, or heart disease can require repeated doctor visits. You could pay less for specialist visits with some of our plans, as well as get more help managing your health.

Next

Dental Coverage

Why we ask this question

Managing chronic conditions, for example diabetes, COPD, or some cancers, takes a great deal of effort on your part. You want a health plan designed to cover these conditions. So you worry less about what costs are covered, and you can focus more on your health.

  1. Premiums
  2. Out-of-State Access
  3. Out-of-Pocket Maximum
  4. Chronic Conditions
  5. Dental Coverage
  6. Prescription Coverage

Do you want dental coverage included in your plan?

Most of our plans include dental coverage. The levels of coverage vary among the plans.

Next

Prescription coverage

Why we ask this question

Most of our plans now include dental coverage. If you think you will need dental services, you'll want to consider the level of coverage with each plan.

  1. Premiums
  2. Out-of-State Access
  3. Out-of-Pocket Maximum
  4. Chronic Conditions
  5. Dental Coverage
  6. Prescription Coverage

Would you prefer to pay less each time you fill a prescription if it means you might have to pay a higher premium each month?

Consider how often you might fill prescriptions over the next year, as well as how monthly premiums fit into your budget.

Why we ask this question

Plans with lower (or no) pharmacy copays may have higher monthly premiums. This question helps us decide whether you would be comfortable with a plan that requires a lower level of pharmacy copays when you receive services in exchange for higher premiums.

Try these plans

Based on your answers, we think these plans might work for you.

Compare these plans

Sometimes it's helpful to compare side by side, so have a look.

Benefit table gets pulled into this space.

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