Q: What should couples consider when choosing Medicare plans?
A: If both spouses are looking at their Part D coverage options, make sure to use the plan finder tool separately for each spouse (or work with a broker who can assist with the process of picking the right plans), since the best drug plan for one spouse may not be the optimum choice for the other spouse. It depends on the medications each person is taking, so a couple might end up purchasing two very different drug plans.
The same thing applies with Medicare supplemental insurance (Medigap). Policies are sold on an individual basis, so each spouse will need a separate plan. And depending on health conditions, it may make sense for spouses to select two different Medigap plans, along with two different Medicare Part D plans.
If you opt for Medicare Advantage instead of original Medicare, each spouse will need a separate plan, but some Medicare Advantage carriers offer discounts for couples who both select the same plan.