Medicare Plans
Whether you're looking for the extensive coverage of a Medicare Supplement plan or an all-in-one solution with a Medicare Advantage Plan, we empower you to make a decision that best suits your personal health needs and financial situation. With us, you have the freedom to choose a plan that truly aligns with your lifestyle and healthcare priorities.
Medicare Supplement (Medigap)
A Medicare Supplement plan, also known as Medigap, is a type of insurance policy designed to fill in the "gaps" left by Original Medicare (Part A and Part B). These gaps refer to out-of-pocket costs like deductibles, copayments, and coinsurance that you would otherwise have to pay.
Standardized Plans: Medicare Supplements are identified by letters (Plan G, Plan N, etc.), and each lettered plan offers the same set of basic benefits, regardless of the insurance company selling it.
No Provider Networks: You can use any doctor or hospital that accepts Medicare.
Supplement plans virtually eliminate the need for healthcare prior authorizations.
Our agents can help you to find the same coverage for less. why pay more for the same exact coverage?
Medicare Advantage (Part C)
Medicare Advantage plans are similar to most employer plans in that they come in the form of HMOs and PPOs. While they might not provide the same level of network flexibility and authorization freedom as Medicare Supplement plans, Medicare Advantage plans present a comprehensive alternative. They even include benefits that are not typically included in Supplement plans.
most importantly, Advantage Plans provide a cap on out-of-pocket expenses, which provides financial protection against scary medical bills. These plans are a great option for seniors who prefer not to pay an additional monthly premium for their insurance, as they often feature $0 monthly premiums and no deductibles.
Medicare Advantage Plans are required to cover everything that Original Medicare covers. however, Advantage plans stand out by offering benefits and services that go beyond what Original Medicare covers. These may include benefits like dental, vision, hearing, and fitness benefits.
In summary, Advantage Plans are a comprehensive alternative to a Medicare Supplement plan because they can offer superior protection from out-of-pocket costs compared to Original Medicare, while also offering additional benefits for a low monthly premium, which could be as little as $0.
Usually feature $0 monthly premium and $0 deductible with Max-Out-of-Pocket limits.
All-In-One coverage that bundles your healthcare and your drug coverage.
Advantage plans often include dental, vision, and hearing, as well as other additional benefits.
Depending on where you live, many Advantage plans even offer benefits such as money back for your Part B Premium.