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Medicare Advantage VS Medicare Supplement

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Let’s compare Medicare Advantage and Medicare Supplement (Medigap) plans:

  1. Medicare Advantage (Part C)

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    • Combines Medicare Part A (hospital insurance) and Part B (medical insurance) into one comprehensive plan.
    • Often includes Part D prescription drug coverage as well as additional benefits like vision, dental, and fitness benefits.
    • Typically has predictable monthly payments, but these can be expensive.
    • Requires you to use a restricted network of providers, hospitals, and suppliers.
    • Some plans may offer out-of-network provider coverage.
    • International travel coverage is available.
    • You must also be enrolled in Medicare Part A and Part B to qualify for Medicare Advantage.

  2. Medicare Supplement (Medigap)

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    • Works alongside Original Medicare (Part A and Part B) to help cover out-of-pocket expenses.
    • Helps fill the gaps in coverage left by Original Medicare.
    • Policies vary but may cover expenses such as deductibles and copayments.
    • Does not include prescription drug coverage, so you’ll need to enroll in Part D separately.
    • Does not restrict your choice of providers; you can see any doctor or specialist who accepts Medicare.
    • Does not cover spouses; each person must buy separate coverage.
    • Some Medigap plans have annual out-of-pocket limits (e.g., Plans K and L).

In summary, Medicare Advantage provides an all-in-one solution with additional benefits, while Medicare Supplement fills the gaps in Original Medicare coverage. The right choice depends on your individual health needs and preferences1234. If you need further assistance, feel free to ask!

Medigap VS Medicare Advantage

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medigap vs medicare advantage
Medigap vs Medicare Advantage

Q1: Medigap vs Medicare Advantage?

A1: Medigap is a supplemental insurance policy. It pays for some of the out-of-pocket expenses that Original Medicare does not. Medicare Advantage is a Medicare health plan. It is offered by a private company that contracts with Medicare. It provides you with all your Part A and Part B benefits.

Q2: Does Medigap cover the same things as Medicare Advantage?

A2: No, Medigap is a supplemental insurance policy.  Medicare Advantage is the primary coverage.

Q3: How do I know which plan is right for me?  [Read more…]

Medicare Advantage or Supplement??

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Medicare Advantage vs. Medicare Supplement (Medigap) insurance plans

Medicare Supplement insurance plans work with Original Medicare, Part A, and Part B, and may help pay for certain costs that Original Medicare doesn’t cover. These plans don’t provide stand-alone coverage; you need to remain enrolled in Part A and Part B for your hospital and medical coverage. If you need prescription drug coverage, you’d need to enroll in a stand-alone Medicare Prescription Drug Plan.

When you buy a Medicare Supplement insurance plan, you are still enrolled in Original Medicare, Part A, and Part B. Medicare pays for your healthcare bills primarily, while the Medigap plan simply covers certain cost-sharing expenses required by Medicare, such as copayments or deductibles. In addition, Medigap insurance plans may help with other costs that Original Medicare doesn’t cover, such as Medicare Part B excess charges or emergency medical coverage when you’re traveling outside of the country. Keep in mind that Medicare Supplement insurance plans can only be used to pay for Original Medicare costs; they can’t be used with Medicare Advantage plans. [Read more…]

Medicare vs Advantage How to choose

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Confused about Medicare Advantage? Medicare Plan Choices

by Judith Graham October 30, 2017

As health insurers struggle with shifting government policies and considerable uncertainty, one market remains remarkably stable: Medicare Advantage plans.
That’s good news for seniors as they select coverage for the years ahead.
Medicare Advantage plans are available across the country, “the most we’ve seen since 2009,” said Gretchen Jacobson, associate director of the Kaiser Family Foundation’s program on Medicare policy. (Kaiser Health News is an editorially independent program of the foundation).Pacific Ridge offering alcohol addiction treatment programs can help you to overcome drug addiction. [Read more…]

Medicare an overview

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Medicare Overview

Medicare is a federal health insurance program that provides hospitalization, medical, and prescription drug insurance for the elderly and individuals with disability. It was created by Congress in 1965. The basic idea is for the Government to provide health insurance as part of Social Security.

As insurance, it is not government assistance, unlike Medicaid or AHCCCS and other plans which are assistance programs for people of limited income. [Read more…]

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