When it comes to choosing the Medicare coverage that’s best for you, it’s important to understand the differences between these two options.
|A Medicare Supplement insurance policy is not the same as a Medicare Advantage plan.A Medicare Supplement is an insurance policy designed to pay expenses approved by but not covered under Medicare Part A (hospital) and Part B (medical) including deductibles and coinsurance. Medicare was never intended to cover all hospital and medical expenses and purchasing a Medicare Supplement is one way to cover some or all of what basic Medicare does not provide.
When you have Medicare and a Medicare Supplement you can generally go to any doctor and any hospital in the United States as long as they accept Medicare. You don’t need referrals or permission from a primary care doctor to see specialists. These factors are important to people who want the freedom to choose their own doctors, and those who travel frequently or spend parts of the year away from their primary residence.
Key Points to a Medicare Supplement Policy
We can help you determine which company can offer you the lowest cost Medicare Supplement in Pennsylvania. Call us at 1-800-649-9604.
|A Medicare Advantage plan is not the same as a Medicare Supplement policy.Medicare Advantage plans replace the benefits provided under Medicare Part A (hospital) and Part B (medical). When you join a Medicare Advantage plan, they become your primary payer of hospital and doctor bills and other medical expenses. And although Medicare is not your primary insurance you must be enrolled in Medicare Part A and B in order to join a Medicare Advantage plan.
Medicare Advantage plans often have lower monthly premium costs than Medicare Supplements – some actually have $0 premium cost. Many plans include Part D coverage for prescription drugs. In addition some Advantage plans include benefits for dental, vision and hearing and fitness club membership.
Key Points to a Medicare Advantage Plan
We can help you determine which Pennsylvania Medicare Advantage plan best meets your needs for coverage and cost. Call us at 1-800-649-9604.
Contact us for help with your insurance needs.
Any personal information you provide to us including and similar to your name, address, telephone number and e-mail address will not be released, sold, or rented to any entities or individuals outside of Health Insurance Services.