You and Your Spouse Can Have Different Medicare Plans

If you ever watched All in the Family, you probably remember Archie Bunker’s classic line: “You’re a meathead, dead from the neck up!” Now let’s clear something up—not knowing that you can choose different Medicare plans doesn’t make anyone a “meathead.” In fact, it’s a common misconception, but if your needs aren’t the same, your plans don’t have to be either. Medicare Isn’t One-Size-Fits-All—Even for Couples

Medicare isn’t like employer coverage. You’re not required to be on the same plan. In the employer insurance world, one plan covered everyone under the same roof. With Medicare, it’s different. Each person enrolls as an individual. That means you both have the freedom to choose the plan that best matches your personal health needs, lifestyle, and budget.

Whether you choose a Medicare Advantage Plan or a Supplement, the core goal is the same: to cover the hospital and medical costs that Medicare doesn’t fully pay.

• Medicare Advantage Plans may include added benefits like dental, vision, hearing.

• Medicare Supplements focus strictly on covering your out-of-pocket costs for doctor and hospital visits—with no frills.

• OR, you may both choose the same type of plan, like a Medicare Advantage Plan, but choose different Carriers

  
  

Good news: You Can Adjust As Your Needs Change

In New York, for example, we have flexible enrollment opportunities that allow you to make changes during specific times of year—without worrying about being locked into the wrong coverage forever. So, if you find that your plan does not meet your needs, it’s possible to make a change at certain times of the year.

Medicare That Fits You

Most of the time the best decision is to go with the plan that covers your doctor and your prescriptions—even if your spouse’s best option looks different.  Going your separate ways when it comes to Medicare isn’t a sign of disunity, it’s a sign of smart, personalized planning. What works for your spouse may not work for you. And that’s okay.

You just need a little trusted guidance—and maybe a chuckle at how far we've come since the days of Archie yelling from his chair. And if you need someone to walk you through it all, I’m here to help with clear, professional guidance. 

Call to schedule an appointment 631-337-3625

Trusted Medicare Guidance