[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"aem-page-pages\u002Fplanning-for-out-of-pocket-costs-new-learning-hub":3},{"components":4,"disclaimers":85,"annoucementBar":92},[5,30,34,49],{"typename":6,"complianceLinks":7,"navigationLinks":8,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":7,"imagePath":16,"alt":17,"images":7,"narrowCallOut":18,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":27,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":7,"iconTextCardList":7,"headline":7,"rowsList":7},"HeaderModel",null,[9,13],{"text":10,"target":11,"href":12,"parentText":7},"Learning Hub","_self","\u002Flearning-hub",{"text":14,"target":11,"href":15,"parentText":7},"About Us","\u002Fabout-us","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FRelianceMALogo?fmt=png-alpha","Reliance Brand",{"firstLevelHeading":19,"secondLevelHeading":20,"hoursOfOperation":21,"ttyNumber":22,"iconPath":23},"Need help?","Call a licensed sales agent","Sun - Sat, 7 a.m. - 10 p.m. ET.","711",[24],{"alt":25,"imagePath":26},"Call Phone","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FcallPhone?fmt=png-alpha",{"text":28,"colorClass":29},"Search plans","primary",{"typename":31,"complianceLinks":7,"navigationLinks":7,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":32,"imagePath":7,"alt":7,"images":7,"narrowCallOut":7,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":7,"iconTextCardList":7,"headline":7,"rowsList":7},"TextBlockModel",{"html":33},"\u003Ch1>Planning for out-of-pocket costs\u003C\u002Fh1>\n\u003Cp>Planning for out-of-pocket costs on a Medicare Advantage plan is an important step for maintaining your financial health. Even with robust coverage, you may still pay some costs yourself. Making a clear plan helps avoid stress and protect your retirement. \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch2>Understanding annual out-of-pocket costs\u003C\u002Fh2>\n\u003Cp>Most Medicare plans have a monthly premium and a yearly deductible. You should plan for those expected payments as they are scheduled. Then, you may have copays or coinsurance for doctor visits, hospital stays, prescription needs and possibly other covered benefits. These smaller payments can add up over time. \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch2>Look at your past health plan usage\u003C\u002Fh2>\n\u003Cp>Think about how many times you visited the doctor last year. Make a note of any specialist visits, hospital stays, or tests that may have required you to pay. Do your best to add up what you spent out-of-pocket. This can give you an idea of roughly what you may spend in the coming year. \u003C\u002Fp>\n\u003Cp>Pay special attention to your prescription usage and costs. This is a big area to plan for. Check your plan’s formulary—the list of covered drugs—to make sure all your prescriptions continue to be covered by your insurance and note down each copay. Remember: some prescriptions may have a higher copay than others. \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch2>Expect the unexpected\u003C\u002Fh2>\n\u003Cp>Accidents and sudden illnesses can happen at any time. A smart goal is to build a small emergency fund for those surprise urgent care visits that might crop up over the year. Even a little savings each month can make a big difference each year. \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch2>Review if your coverage is what you need each year\u003C\u002Fh2>\n\u003Cp>Medicare recommends that you review your coverage every year during the Annual Enrollment Period. If you’re finding you’re shelling out more and more for health costs each year, it might be time to compare plans and switch to a more robust or affordable plan. For example, a plan with a slightly higher monthly premium but a lower out-of-pocket maximum may save you money in the long term if you need more care. \u003C\u002Fp>\n\u003Cp>Some people may choose to enroll in additional coverage through an offering like Medicare Supplement Insurance. While this means paying an additional premium, it can lower the amount you pay when you get care for Parts A & B services. The right choice will depend on your health needs and your budget. \u003C\u002Fp>\n\u003Cp>Planning ahead for out-of-pocket costs takes effort but gives you control. With a clear budget, an emergency fund, and the right plan, you can feel more confident about your health care spending and focus on enjoying your retirement.\u003C\u002Fp>\n",{"typename":35,"complianceLinks":7,"navigationLinks":7,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":36,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":7,"imagePath":7,"alt":7,"images":7,"narrowCallOut":7,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":37,"iconTextCardList":7,"headline":7,"rowsList":7},"SidebarArticleListContainerModel","More in Coverage Articles",[38,44],{"imagePath":39,"imageAltText":40,"ctaText":7,"ctaLink":7,"bodyCopy":7,"date":7,"eyebrow":41,"heading":42,"headingLink":43},"https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FAdobeStock_420841618-1?fmt=png-alpha","Smiling caregiver comforting elderly woman indoors","Article","What’s not fully covered by Original Medicare?","\u002Flearning-hub\u002Fcoverage\u002Fwhats-not-covered-by-original-medicare",{"imagePath":45,"imageAltText":46,"ctaText":7,"ctaLink":7,"bodyCopy":7,"date":7,"eyebrow":41,"heading":47,"headingLink":48},"https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FAdobeStock_123212582-1?fmt=png-alpha","Pharmacist assisting senior man with medication","Medicare Advantage drug tiers and drug payment stages","\u002Flearning-hub\u002Fcoverage\u002Fdrug-tiers-initial-coverage",{"typename":50,"complianceLinks":51,"navigationLinks":58,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":69,"bodyCopy":7,"imagePath":16,"alt":17,"images":7,"narrowCallOut":79,"lastPublishedDate":82,"copyright":83,"phoneNumber":7,"cmsId":84,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":7,"iconTextCardList":7,"headline":7,"rowsList":7},"FooterModel",[52,55],{"typename":7,"text":53,"href":54,"target":11},"Privacy Policy","\u002Fprivacy-policy",{"typename":7,"text":56,"href":57,"target":11},"Washington MHMD Notice","\u002Fwashington-mhmd-notice",[59,62,66,68],{"text":60,"target":11,"href":61,"parentText":7},"Find Plans","#find-plans",{"text":63,"target":64,"href":65,"parentText":7},"Shop by benefit","_blank","\u002F",{"text":67,"target":64,"href":15,"parentText":7},"About Reliance",{"text":10,"target":64,"href":12,"parentText":7},[70,73,76],{"alt":71,"imagePath":72},"Facebook","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002Ffacebook-2?fmt=png-alpha",{"alt":74,"imagePath":75},"Instagram","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FInstagram?fmt=png-alpha",{"alt":77,"imagePath":78},"Twitter","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FXTwitter?fmt=png-alpha",{"firstLevelHeading":19,"secondLevelHeading":20,"hoursOfOperation":21,"ttyNumber":22,"iconPath":80},[81],{"alt":25,"imagePath":26},"2026-10-01","© Reliance Medicare Advisors 2026","MULTIPLAN_GHHMQ6FEN_2027_WEB_V1_M",[86],{"disclaimerCopy":87,"dropdownTitle":89,"dropdownCopy":90},{"html":88},"\u003Cp>Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Advisors is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency and Humana Inc. Reliance Medicare Advisors is not affiliated with or endorsed by any government agency.\u003C\u002Fp>\n\u003Cp>Reliance Medicare Advisors represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.\u003Cbr>\n\u003Cbr>\nWe do not offer every plan available in your area. Currently we represent ##carriers## organizations which offer ##products## products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.\u003Cbr>\n\u003Cbr>\nIf you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.\u003Cbr>\n\u003Cbr>\nCosts, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.\u003Cbr>\n\u003Cbr>\nReliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.\u003C\u002Fp>\n\u003Cp>For Aetna: The benefit(s) mentioned are part of special supplemental benefits for the chronically ill (SSBCI). SSBCI conditions include but are not limited to: hypertension, hyperlipidemia, diabetes, cardiovascular disorders, and chronic lung disorders. Eligibility is determined by whether you have a chronic condition associated with the benefit(s) and you meet all other criteria. Even if you have a listed chronic condition, you may not necessarily receive the benefit because other eligibility and coverage criteria may apply. Standards and conditions vary for each benefit. Contact us to confirm the specific SSBCI condition requirements for the benefit(s) for this plan and determine your eligibility.\u003C\u002Fp>\n\u003Cp>For Aetna: The Aetna C-SNP is available to Medicare members who have at least one of the qualifying chronic conditions. To ensure a successful enrollment process, we’ll confirm with your healthcare provider that you have one of these eligible conditions. If verification of eligible condition is not received, involuntary disenrollment will occur.\u003C\u002Fp>\n\u003Cp>Reliance Standard Life Insurance Company and its affiliated brand, Reliance Matrix, are not affiliated, authorized, endorsed by, or in any way connected with Reliance Medicare Advisors or any of its subsidiaries or affiliates, and are not involved in the services, products, or operations offered by Reliance Medicare Advisors.\u003C\u002Fp>\n","Pre Zip Code",{"html":91},"\u003Cp>Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Advisors is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency and Humana Inc. Reliance Medicare Advisors is not affiliated with or endorsed by any government agency.\u003C\u002Fp>\n\u003Cp>Reliance Medicare Advisors represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.\u003Cbr>\n\u003Cbr>\nWe do not offer every plan available in your area. Currently we represent 6 organizations which offer 3,398 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.\u003C\u002Fp>\n\u003Cp>If you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.\u003Cbr>\n\u003Cbr>\nCosts, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.\u003Cbr>\n\u003Cbr>\nReliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.\u003C\u002Fp>\n\u003Cp>For Aetna: The benefit(s) mentioned are part of special supplemental benefits for the chronically ill (SSBCI). SSBCI conditions include but are not limited to: hypertension, hyperlipidemia, diabetes, cardiovascular disorders, and chronic lung disorders. Eligibility is determined by whether you have a chronic condition associated with the benefit(s) and you meet all other criteria. Even if you have a listed chronic condition, you may not necessarily receive the benefit because other eligibility and coverage criteria may apply. Standards and conditions vary for each benefit. Contact us to confirm the specific SSBCI condition requirements for the benefit(s) for this plan and determine your eligibility.\u003C\u002Fp>\n\u003Cp>For Aetna: The Aetna C-SNP is available to Medicare members who have at least one of the qualifying chronic conditions. To ensure a successful enrollment process, we’ll confirm with your healthcare provider that you have one of these eligible conditions. If verification of eligible condition is not received, involuntary disenrollment will occur.\u003C\u002Fp>\n\u003Cp>Reliance Standard Life Insurance Company and its affiliated brand, Reliance Matrix, are not affiliated, authorized, endorsed by, or in any way connected with Reliance Medicare Advisors or any of its subsidiaries or affiliates, and are not involved in the services, products, or operations offered by Reliance Medicare Advisors.\u003C\u002Fp>\n",{"type":7,"bodyCopy":93,"iconPath":7,"tooltipTile":7},{"html":94},"\u003Cp>Reliance Medicare Advisors is an insurance agency with no government affiliation\u003C\u002Fp>\n"]