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A Worksheet for Comparing Medicare Advantage Plans

If you’re shopping for a Medicare Advantage (MA) plan, you probably have several options to choose from. So how do you find the plan that’s right for you?

The first step is understanding MA plans and the type of coverage they provide. One of the most important things to know is that all MA plans are offered by private insurance companies contracted with Medicare. By law, these plans must provide at least the same level of coverage that Medicare Part A and Part B, often called Original Medicare, provide. But many MA plans also provide additional benefits not included in Original Medicare.  

Individual MA plans can differ greatly based on elements like how much the plan costs, which doctors you can see and whether the plan includes special benefits, such as gym memberships or help paying for your over-the-counter medicines. Using a tool that helps you compare the different MA plans available is a great way to ensure the coverage you choose will help you achieve your health goals.

A worksheet to get you started

By downloading, printing and filling out our MA plan comparison worksheet, you can keep track of the most important elements of different MA plans as you do your research. Gathering the relevant information for the categories included in the worksheet will allow you to perform a side-by-side comparison of different plans. You can fill out the form while doing research on your own online, or you can work with an agent to help complete the worksheet. And if you already have coverage and are interested in seeing how it stacks up to other options, enter the relevant information from your current plan in the first column so you can easily compare it to other plans.

Below you’ll find a shortened example of what your completed worksheet may look like. 

Sample Medicare Advantage plan comparison worksheet (click to download a blank worksheet you can use to research MA plans available to you).

Please note that all information included in the sample worksheet below is for illustrative purposes only and doesn’t represent actual plans. 

 

Sample Medicare Advantage plan comparison worksheet
Company
Plan name		 Company 1
Sample plan 1		 Company 2
Sample plan 2		 Company 3
Sample plan 3		 Company 4
Sample plan 4
Monthly plan premium $0 $50 $0 $25
  $100 in network
$200 out of network		 $100 in network
$500 out of network		 $150 in network
$200 out of network		 $100 in network
$250 out of network
Out-of-pocket maximum $6,700 in network
$10,000 out of network		 $5,000 in network
$10,000 out of network		 $6,700 in network
$10,000 out of network		 $6,700 in network
$10,000 out of network
Is my PCP in network? Yes, Dr. Smith No No Yes, Dr. Smith
Dental benefit? Yes, allowance of $1,000 No Yes, allowance of $500 Yes, allowance of $1,000
Dental network requirement? No Yes Yes Yes
Eyewear benefit? Yes, $185 every year for eyewear Yes, $100 every year for eyewear No Yes, $150 every year for eyewear
Hearing aid benefit? Yes, $0 for basic hearing aid Yes, $10 for basic hearing aid No Yes, $0 for basic hearing aid
Allowance for over-the-counter items? Yes, $50 every 3 months No No Yes, $50 every 3 months
Notes SilverSneakers® fitness No preferred pharmacy in area Includes acupuncture Includes chiropractic services

 

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Health benefits and health plans are offered, underwritten or administered by Allina Health and Aetna Insurance Company (Allina Health | Aetna).  Allina Health l Aetna is an affiliate of Aetna Life Insurance Company and its affiliates (Aetna).  Allina Health | Aetna has sole responsibility for its products and services. Aetna provides certain management services to Allina Health | Aetna. Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are both within the CVS Health family.

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This material is for information only and is not an offer or invitation to contract. Health benefit plans contain exclusions and limitations. Providers are independent contractors and not our agents. Provider participation may change without notice. We do not provide care or guarantee access to health services. Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability are subject to change and may vary by location. If you are in a plan that requires the selection of a primary care physician and your primary care physician is part of an integrated delivery system or physician group, your primary care physician will generally refer you to specialists and hospitals that are part of the delivery system or physician group. Information is believed to be accurate as of the production date; however, it is subject to change.

*Applies only to covered services at MinuteClinic. Members in indemnity plans are not eligible for this benefit. Such members should refer to their benefit plan documents in order to determine coverage and applicable cost share for walk-in clinic benefits and services, as applicable. Visit MinuteClinic.com for age and service restrictions. Eligible members enrolled in qualified high-deductible plans must meet their deductible. However, such services would be subject to negotiated contract rates. Once the deductible has been met, members will be able to access MinuteClinic services at no cost share. Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are both within the CVS Health family. Aetna is not responsible for services received at MinuteClinic locations. 98point6 and 98point6 physicians are independent contractors and are neither agents nor employees of Allina Health | Aetna or plans administered by Allina Health | Aetna and does not guarantee that a prescription will be written.