Medicare Advantage Options
Three Important Questions about Medicare Advantage
1. Do I get a Medicare supplement plan?
Medicare Supplemental Insurance Plans are designed to work with Original Medicare and help cover the deductibles and co-pays Medicare does not cover (Specific coverage and premiums vary by plan type and other variables).
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2. Do I get an “premier” Medicare Advantage combination?
These are simply higher premium Medicare Advantage plans, typically with lower co-pays then lower premium Medicare Advantage plans offered by the same insurer.
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3. Do I choose a “basic” Medicare Advantage” Plan or Original Medicare alone?
With Medicare alone you pay the deductibles and portion of services not paid by Medicare out of you own pocket.
Medicare Advantage Plan Comparison
- If you order the options from least to most expensive, in our opinion the basic “Medicare Advantage” plan is a better starting point for most people. It will include a better distribution of benefits for little or no additional cost.
- The next level up (Lower co-pays and deductibles) would be an enhanced or Premier “Medicare Advantage” plan. This would have a slightly higher premium, but lower deductibles and co-pays.
- Finally, the highest degree of protection (and, of course, the highest premium) is a Medicare Supplemental Insurance plan, also called “Medigap”.
With 12 Medicare Supplement choices and many more Medicare Advantage choices, this means a little more thought. Fortunately, we have done that work for you, and can help you select the plan that’s best for your needs.
Call (610) 399-8700 to speak with a Medicare professional