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Medicare Advantage
Private insurance companies (Humana, Aetna, United Healthcare, etc.) contracted by Medicare to provide this coverage. This is an alternative to original Medicare.
Medicare Advantage Plans are NOT Medicare Supplement insurance plans
Medicare Advantage Plans are available as HMO, PPO or PFFS
All Medicare Advantage plans offer maximum out of pocket protection
These plans must cover all benefits of Original Medicare
Can include Medicare Part D prescription coverage
Can include vision, dental, and hearing
Also known as Medicare Part C
Medicare Supplements
Goes with original Medicare and helps cover some of the cost Original Medicare doesn’t pay, such as coinsurance (20%) and deductibles.
Can go anywhere and to any doctor as long as they take Medicare patients
Does not include prescription coverage. Need to purchase a stand alone drug plan (Part D)
Guaranteed to renew every year even if you have health issues, as long as you pay the premium
Also known as Medigap coverage
These plans help cover the Medicare Part A and Part B deductibles as well as Medicare coinsurance
Medicare Part D
Available to all that have a minimum of Medicare Part A and/or enrolled in Part B. Medicare prescription drug plans (Part D) are only available from private insurance companies that have been approved by Medicare to offer them.
Usually has a formulary (list of covered drugs).
Most have preferred pharmacies to help save you money
Available as a stand alone drug plan (Part D) or can be included in a Medicare Advantage.
If you have a plan that already includes Part D you cannot buy a stand alone drug plan (Part D) .
Additional Plans Offered
Need further coverage? Ask us about our other plan types:
Dental
Cancer
Life Insurance
Hospital Indemnity
Vision
And More!