Get help with Medicare Supplements (Medigap) and Advantage plans at no cost to you!
What is Medicare?
Original Medicare
Medicare is a federal program that provides individuals 65 years or older healthcare coverage at a small cost. Original Medicare coverage is broken into two parts-Part A and Part B-and is accepted by nearly every doctor and hospital in the country. Medicare Part A covers inpatient or hospital stays while Part B covers outpatient or medic
Medicare is a federal program that provides individuals 65 years or older healthcare coverage at a small cost. Original Medicare coverage is broken into two parts-Part A and Part B-and is accepted by nearly every doctor and hospital in the country. Medicare Part A covers inpatient or hospital stays while Part B covers outpatient or medical care.
Together, Part A and B cover about 80% of the typical healthcare costs seniors face-leaving a few significant gaps in coverage.
Supplement/Medigap
Medigap, also called Medicare Supplement Insurance, is sold by private insurance companies to fill the “gaps” in Original Medicare coverage (Part A and Part B) that you would otherwise pay out-of-pocket. Covers the 20% Original Medicare doesn't cover. These plans help cover costs like deductibles, coinsurance, and copayments, and some p
Medigap, also called Medicare Supplement Insurance, is sold by private insurance companies to fill the “gaps” in Original Medicare coverage (Part A and Part B) that you would otherwise pay out-of-pocket. Covers the 20% Original Medicare doesn't cover. These plans help cover costs like deductibles, coinsurance, and copayments, and some plans also cover services like emergency care abroad. They do not include dental, vision, hearing or drugs. You must purchase separate plans and pay premiums for those. You must have both Medicare Part A and Part B to purchase a Medigap policy, and you pay a monthly premium to the insurance company in addition to your Part B premium. Coverage is guaranteed renewable as long as premiums are paid, meaning your policy continues year after year (CMS).
Advantage Plans
Advantage Plans
Medicare Advantage (MA) plans are offered by private insurance companies approved by Medicare. There is usually no monthly premium associated with these plans. They cover hospital insurance (Part A) and medical insurance (Part B), and most plans also include prescription drug coverage (Part D). Unlike Original Medicare, MA plans often p
Medicare Advantage (MA) plans are offered by private insurance companies approved by Medicare. There is usually no monthly premium associated with these plans. They cover hospital insurance (Part A) and medical insurance (Part B), and most plans also include prescription drug coverage (Part D). Unlike Original Medicare, MA plans often provide additional benefits such as dental, vision, hearing, and free gym memberships. These plans are sometimes called Part C and are not supplemental insurance; members typically use a network of doctors and hospitals contracted with the plan.