Medicare can be confusing. It is critical that people who are eligible for Medicare get advice from good advisors.

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One of the worst things that can happen to an individual is to find out that they have the wrong plan when they have a serious medical event.

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The Medicare insurance market is a very large business and there are a lot of bad actors that do not have their clients' best interests at heart.

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There are also volunteers who are not licensed and not well versed in the different plan options, and even though they have good intentions, the wrong advise can have adverse consequences.

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We help our clients and their referrals by first educating them properly on the differences in the options available before we help them with enrollment. It is critical to make informed decisions based on facts and not just on things like the monthly premiums.

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We welcome calls from people who would like to understand how Medicare works for them and which insurance products will serve them best, especially when they need it most.

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Here are some key points to remember:

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• Make sure you understand how you will access providers and who controls where you can go. It is best that you have the control and that you are not at the mercy of a provider group or insurance network.

• Understand how much your plan will cost when you use it. The out of pocket amounts is important and a lot of the times not what someone who sells you a plan with high commissions will want to focus on.

• Never buy a Medicare insurance option based on the Vision and Dental benefit. Those can be added separately at reasonable cost. The focus of a plan should be your medical coverage.

• The way your Medicare Prescription Drug plan (Part D) covers many prescription drugs will be different than your regular health insurance plans. Make sure you understand the costs for your medications before you enroll into a plan.

• Watch out for the wolves. It is best to speak to an independent adviser with good references that is well versed in all products on the market. Many plans have incentives to pay advisers a lot more commissions than other plans do, and they can steer people toward plans that might not be the best option for them.