Updated on December 14, 2017
2017 is here! All those turning 65 or retiring and going on to Medicare have quite a bit to take on.
There are so many insurance companies selling Medicare Supplements and Medicare Advantage Plans and so many independent insurance agents, that many consumers find it hard to tell what it what out there.
We at Medicare Supplements Made Easy like to clear the air with basic levels of confusion over the 2 types of insurance a individual can obtain once Medicare eligible.
At the end of the road, there are two TYPES of Insurances that work with Medicare that you the consumer can go after when Medicare eligble; Medicare Supplements and Medicare Advantage plans.
Many Medicare Advantage Plans come with Rx coverage unlike Medicare Supplements. If you do sign your name to a Medicare Advantage Plan, chances are the Rx coverage is included with the plan. Sometimes this is a benefit to the consumer and sometimes not. Having the ability to choose your Rx plan, like you would with a Medicare Supplement, can ensure your Rx copays stay as low as possible.
Make sure to call us any time for a non-biased consultation. We are happy to educate those in need about all the differences betwen the insurance companies and plans available, so you get the best possible health care for your hard earned dollar.
There are many companies and plans to choose from and they will all tell you they are the best to go with. Let us be your non biased guide so you can do what is right for you.
Medicare Part D is the house that the Rx plans for you to choose from live in. We will shop every single Rx plan available to you every year, so you can always know you are paying the least amount for your Rx at your pharmacy.
Medicare with a Medicare Supplement has no network. This means you do not need a referral and your doctor cannot decline to see you because you have a particular insurance company for your Medicare Supplement. This is why it is so important to choose the right insurance company, to make sure you are not paying more than you have to.
If you have a Medicare Advantage Plan you have a private contract with the insurance company. You are now a part of a network. Some plans like PPO’s allow you to leave the network and other plans like HMO’s do not and require a referral.
Always make sure before you sign your name to anything to make sure if you are signing up for a Medicare Supplement or a Medicare Advantage Plan.
Without adding to your confusion that you may already be experiencing, all of the expenses listed on the left are what you would be responsible for if you just had regular Medicare and no insurance working with it.
As you can see Plans like Medicare Supplement Plan F and Medicare Supplement Plan G, cover all, if not almost all of what Medicare would leave behind for you to pay if you had no insurance. These are your two most popular and sought after plans on the market today.
If you have Medicare and a Medicare Supplement, this means that Medicare is your primary insurance, giving you access to any doctor and any hospital in the country that accepts Medicare. Whom you choose for and insurance company for your Plan F or G, or any other Medicare Supplement plan, is up to you.
This is where Medicare Supplements Made Easy comes in. We will show you which company is charging the least amount now and the most likely, the least amount in the future ijn premium for your plan