Q: What should couples consider when choosing Medicare plans?
A: If both spouses are looking at their Part D coverage options, make sure to assess which prescription you each use and that you know you each need. And remember that the best drug plan for one spouse may not be the optimum choice for the other spouse depending on which medication coverage differences among 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.