There are many plans to choose from, but all plans fall into one of two types.
TYPE 1: Medicare with a Medicare supplement and medicare Part D RX plan.
TYPE 2: Assign your Medicare benefits to a Medicare Advantage HMO or PPO plan
Decide which type you’d prefer to lower your Medicare out-of-pocket costs
When compared, the main differences between these two types is:
Normally less than type 2
Little or no cost for medical care
Copayments for medical care
Choose a Medicare provider in the USA
Choose any RX plan
RX plan included with health plan
Must reside in the plan service area
Dental option on some plans
Government funding on RX only
Rely on government funding
Cost more for extra benefits
Extra benefits like gym membership
Change Medsup plans anytime
(Medical history may be required)
Change plans once per year
(Enrollment denied for kidney failure)
Download our brochure to help understand your choices.
CHOOSING A MEDIGAP POLICY?
Plans have letter designations, so every plan with every insurance company is the same. All plans pay some, or all of Medicare’s part B 20% cost share. Plan F, the most popular plan pays 100% of the balance owed after Medicare pays.
Drug coverage (Part D)
How to get drug coverage
There are two 2 ways to get Medicare prescription drug coverage–either through adding a Medicare Prescription Drug Plan (Part D), or joining a Medicare Advantage Plan (Part C) such as an HMO or PPO that includes Medicare prescription drug coverage.
Costs for Medicare drug coverage
Learn about the types of costs in a Medicare drug plan.