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Medicare.gov Tools and Resources

Summary: The most widely used tools on Medicare.gov include the Plan Finder, Coverage tool, Cost Calculator, and Eligibility tool. These useful tools help you compare plans, understand costs, and determine when you can sign up for Medicare coverage.  Estimated Read Time: 5 min

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  1. Understanding Medicare.gov
  2. Medicare.gov Tools
  3. The Medicare Plan Finder
  4. How to Use Plan Finder
  5. The Medicare Coverage Tool
  6. How to Use the Coverage Tool
  7. The Medicare Cost Calculator
  8. Eligibility Checker
  9. Beyond Plans: Additional Tools and Resources on Medicare.gov
  10. Taking the Next Step

Medicare.gov is a hub for all thing Medicare, geared towards Medicare beneficiaries and their families. The website is full of useful information, resources, and tools that can help you choose the right coverage, review plans in your area, understand costs, and more.

Below, we will review the most useful Medicare.gov tools and resources to help you understand all that the website has to offer.

Understanding Medicare.gov

When you first visit Medicare.gov, you may feel overwhelmed with options. So, how do you best utilize your time on this site? We’re here to help!

It’s important to know what your goals are for visiting the site. Do you want to know general information about Medicare, or more specific information regarding your coverage? This will determine whether you’ll need to create an account on MyMedicare.gov before accessing the information you want.

Basic information is available on the website, including the costs associated with Medicare, which change annually. The site also makes Medicare forms available in PDF format, in both English and Spanish. If you find your questions aren’t answered on the site and need more help, you can use the 24/7 live chat feature.

Medicare.gov Tools

There are several useful tools on Medicare.gov. and the good news is that you don’t need to create an account to utilize any of the tools mentioned below. Utilizing the tools on Medicare.gov will help take the guessing out of your coverage. By using these tools, you should be able to have a good idea of the type of coverage that is right for you, when you can enroll, and the costs you should account for.

Medicare.gov tools include: 

  • Plan Finder
  • Coverage Tool
  • Cost Calculator
  • Eligibility Checker

The Medicare Plan Finder

The Medicare Plan Finder is your one-stop shop for comparing Medicare Advantage (Part C) plans and Medicare prescription drug coverage (Part D) plans in your area. It allows you to personalize your search based on your:

  • Zip Code
  • Medicare Eligibility
  • Doctors and Pharmacies
  • Drug Coverage Needs

The Plan Finder displays a clear comparison chart highlighting key features of available plans, including:

  • Monthly Premium
  • Deductible
  • Copays
  • Coinsurance
  • Star Ratings

By utilizing the Plan Finder, you can narrow down your options and identify plans that best suit your budget, healthcare needs, and preferred doctors and/or pharmacies.

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How to Use Plan Finder

The Plan Finder is a simple yet powerful tool that can analyze your specific needs and generate the right plan for you.To access the tool, you will select the “Health & Drug Plans” option from the home screen.

medicare.gov plan finder step one

Once selected, you will navigate to “Find Health and Drug Plans” under the “Find & Compare” tab.

medicare.gov plan finder step two

From there, you will either log into your My Medicare account or continue as guest by inputting your ZIP Code. If your ZIP Code contains more than one county, you’ll be prompted to select the county you reside in.

medicare.gov plan finder step three

From there, you will select the type of plan you are searching for, then select “Find Plans”.

medicare.gov plan finder step four.

Find Medicare Plans in 3 Easy Steps

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Once you select the type of plan you are interested in comparing, you will be prompted to provide information about your health such as the medications you take, pharmacies you prefer, and any financial assistance you may receive.

Once the plans appear on the screen, you will have the option to filter by price, network, benefits, carrier, and more. The plan finder is a great tool to help you understand what plans are available in your area.

Benefits of Plan Finder

Plan Finder offers several key benefits for Medicare beneficiaries such as:

  • Customized Recommendations
  • Transparent Cost Comparisons
  • Drug Coverage Analysis
  • Provider Network Information

By inputting your unique information, Plan Finder generates recommendations that align with your healthcare needs and budget. You can easily compare the costs associated with different plans, including premiums, deductibles, and copayments, to find the most cost-effective option.

Additionally, the tool allows you to ensure your prescription drugs are covered by your chosen plan and estimate your out-of-pocket expenses for these medications.  You can explore each plan’s network of doctors, specialists, and hospitals to ensure your preferred healthcare providers are included.

The Medicare Coverage Tool

Understanding what Medicare covers and doesn’t cover is crucial. The Medicare Coverage tool helps you navigate this aspect by offering detailed information on specific services and procedures.

The Medicare Coverage Tool is an invaluable resource, allowing you to explore what services and supplies are covered by Medicare Part A, Part B, and Part D. Whether you’re curious about coverage for a specific medical procedure or need clarification on preventive services, the Coverage Tool has you covered.

How to Use the Coverage Tool

Using the Coverage Tool is straightforward. Here’s how it works:

  • Navigate to the Medicare coverage tool on Medicare.gov
  • Search by Service: Type in the name of a specific service, such as “knee replacement” or “mammogram.”
  • Coverage Details: The tool provides a breakdown of how much you might typically pay out-of-pocket for that service with Original Medicare or a Medicare Advantage plan.
  • Medicare Part Breakdown: It clarifies whether the service falls under Part A (hospital insurance), Part B (outpatient medical insurance), or might require a separate Medicare Advantage or Part D plan.

This tool allows you to financially plan for upcoming medical needs and compare the coverage offered by different Medicare options.

Find Medicare Plans in 3 Easy Steps

Let us help you navigate your Medicare journey

Benefits of the Coverage Tool

The Coverage Tool offers several advantages for Medicare beneficiaries, including clarity on coverage, preventative care guidance, and transparency on exclusions or services not covered by Medicare.

It is important to have a clear understanding of what services and supplies are covered by Medicare, to avoid unexpected costs when you receive services. This tool helps eliminate those chances by providing you with up front information.

The Medicare Cost Calculator

Healthcare costs can become a significant concern for many seniors on Medicare. The Medicare Cost Calculator  can help you estimate your potential out-of-pocket expenses under different plans.

By using this tool, you can compare the potential financial impact of different plan options and make a budget-conscious decision.

How to Use the Cost Calculator

Using the Cost Calculator is a breeze. Simply input information about your healthcare usage, including the frequency of doctor visits, prescription medications, and any additional coverage you may have.

The calculator will then generate an estimate of your annual healthcare costs, including premiums, deductibles, and copayments.

Benefits of the Cost Calculator

The Cost Calculator offers several benefits for Medicare beneficiaries. Benefits include:

  • Financial Planning
  • Comparison Shopping
  • Supplemental Coverage Guidance

Use the Cost Calculator with Plan Finder to compare the total costs of different Medicare plans and coverage options. By doing so, you can determine whether additional coverage, such as a Medicare Supplement Insurance (Medigap) policy or a Medicare Advantage plan, may be beneficial based on your estimated costs.

Find Medicare Plans in 3 Easy Steps

Let us help you navigate your Medicare journey

Eligibility Checker

Before enrolling in Medicare, it’s crucial to ensure you meet the program’s eligibility requirements. The Medicare Eligibility Checker simplifies this process by allowing individuals to determine their eligibility for Medicare Part A, Part B, and other related programs.

How to Use the Eligibility Checker

Using the Eligibility Checker is quick and easy. Simply answer a series of questions about your age, citizenship status, and employment history, and the tool will provide instant feedback on your eligibility for Medicare benefits.

Benefits of the Eligibility Checker

The Eligibility Checker offers several advantages for individuals approaching Medicare age. The benefits include:

  • Clarity on Eligibility
  • Early Planning
  • Understanding Alternative Programs

The eligibility checker is the right tool to receive clear guidance on whether you qualify for Medicare benefits based on your personal circumstances. Determine your Medicare eligibility well in advance of your 65th birthday to allow ample time for enrollment and decision-making. Explore alternative healthcare options if you’re not immediately eligible for Medicare, such as Medicaid or employer-sponsored coverage.

Beyond Plans: Additional Tools and Resources on Medicare.gov

While the Plan Finder, Coverage Tool, and Cost Calculator are powerful decision-making aids, Medicare.gov offers a wealth of additional resources. These include:

  • Find Care Providers: Search for doctors, hospitals, nursing homes, and other healthcare providers accepting Medicare in your area. You can filter your search by specialty, location, and even patient reviews.
  • Learn About Different Parts of Medicare: Get comprehensive information on all parts of Medicare, including A (hospital insurance), B (outpatient medical insurance), C (Medicare Advantage plans), and D (prescription drug coverage).
  • Medicare & You Handbook: Download a free handbook containing essential information about Medicare benefits, enrollment procedures, and your rights as a beneficiary.
  • State Health Insurance Assistance Programs (SHIPs): Find contact information for your local SHIP. These programs offer free, personalized counseling to help you navigate Medicare options and make informed choices.

Taking the Next Step

By using the tools and resources available to you on Medicare.gov, you can make informed decisions regarding your healthcare coverage. Continue reading our guide to understand how to find resources for Medicare-related assistance programs.

Sources

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Get Started With Medicare, Medicare.gov. Accessed May 2024.
    https://www.medicare.gov/basics/get-started-with-medicare
  2. Care Compare, Medicare.gov. Accessed May 2024.
    https://www.medicare.gov/care-compare/
  3. Medical Equipment Suppliers, Medicare.gov. Accessed May 2024.
    https://www.medicare.gov/medical-equipment-suppliers/
  4. Procedure Look Up, Medicare.gov. Accessed May 2024.
    https://www.medicare.gov/procedure-price-lookup/
  5. Plan Compare, Medicare.gov. Accessed May 2024.
    https://www.medicare.gov/plan-compare/
  6. Medicare Supplement Plans, Medicare.gov. Accessed May 2024.
    https://www.medicare.gov/medigap-supplemental-insurance-plans/
Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare educator serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Insurance Agent, she brings a wealth of knowledge and expertise to her writing.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.

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