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

TYPE 1

Medicare Pays First
You add:
Medicare Supplement Plan
& Medicare Part D Rx Plan

TYPE 2

Join Medicare Advantage
HMO or PPO
Most plans include Part D Rx

When compared, the main differences between these two types is:

TYPE 1

vs.

TYPE 2

Monthly premiums

vs.

Normally less than type 2

Little or no cost for medical care

vs.

Copayments for medical care

Choose a Medicare provider in the USA

vs.

Network providers

Choose any RX plan

vs.

RX plan included with health plan

Portability

vs.

Must reside in the plan service area

Dental seperate

vs.

Dental option on some plans

Government funding on RX only

vs.

Rely on government funding

Cost more for extra benefits

vs.

Extra benefits like gym membership

Change Medsup plans anytime
(Medical history may be required)

vs.

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. 

When can I join a health or drug plan?

Find out when you can sign up for or change your Medicare Advantage Plan (Part C) or Medicare Prescription Drug Coverage (Part D).

Get A Quote

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