{"id":14,"date":"2025-08-20T15:57:25","date_gmt":"2025-08-20T15:57:25","guid":{"rendered":"https:\/\/medicarepolicychoices.com\/?page_id=14"},"modified":"2025-08-20T18:27:48","modified_gmt":"2025-08-20T18:27:48","slug":"medicare-advantage-and-supplemental","status":"publish","type":"page","link":"https:\/\/medicarepolicychoices.com\/?page_id=14","title":{"rendered":"Medicare Advantage and Medicare Supplemental"},"content":{"rendered":"\n

Medicare Advantage<\/strong><\/h1>\n\n\n\n

LICENSED INSURANCED AGENTS READY<\/strong><\/p>\n\n\n\n

Considering Medicare Advantage?<\/strong><\/p>\n\n\n\n

Medicare Advantage Plans<\/strong>, sometimes called Part C; or; MA Plans are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. You will get your Medicare Part A (Hospital Insurance) and Medicare Part B coverage from the Medicare Advantage Plan and not Original Medicare.<\/p>\n\n\n\n

Rules for Medicare Advantage Plans<\/strong><\/p>\n\n\n\n

Medicare pays a fixed amount for your care each month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare.<\/p>\n\n\n\n

However, each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan for non-emergency or non-urgent care). These rules can change each year. Fill out the form and one or more of our carriers or licensed insurance agents will be glad to contact you to assist in the MA review process.<\/p>\n\n\n\n

Medicare Part D Plans<\/strong><\/p>\n\n\n\n

5 things to know about Medicare Part D drug plans<\/strong><\/p>\n\n\n\n

1. Medicare Part D plans provide prescription drug coverage.<\/p>\n\n\n\n

2. There are over 20 million people were enrolled in stand-alone Medicare Part D.<\/p>\n\n\n\n

3. Part D plans may have different benefits, formularies, tiers, coverage rules, and pharmacy networks.<\/p>\n\n\n\n

4. Part D costs can include plan premiums, late enrollment penalties, and \u201cdonut hole\u201d costs.<\/p>\n\n\n\n

5. You should review Part D plan costs, coverage rules, and star ratings before enrolling in a plan. Medicare Part D provides prescription drug coverage for Medicare enrollees. Part D plans are offered by private insurers, not the federal government. It is optional coverage that works with many other forms of insurance, including Original Medicare, Medicaid, employer health plans, and, in some cases, Medicare Advantage Plans. Each Part D prescription drug plan may have varying benefits, costs, and rules..<\/p>\n\n\n\n

Medicare Supplemental<\/h1>\n\n\n\n

LICENSED INSURANCE AGENTS ARE AVAILABLE<\/h2>\n\n\n\n

Medicare Supplement (Medigap) Insurance<\/strong><\/h1>\n\n\n\n

Do you have fairly frequent doctor or hospital visits? If so, you may already know that Medicare Part A and Part B come with out-of-pocket costs you have to pay. You might be able to save money with a Medicare Supplement plan. Medicare Supplement, or Medigap, plans help fill in the \u201cgaps\u201d in coverage left behind by Original Medicare, Part A and Part B, such as deductibles, coinsurance, and copayments.<\/p>\n\n\n\n

Private insurance companies offering these plans do not have to offer every Medicare Supplement plan, but they must offer at least Plan A. If an insurance company chooses to offer any Medicare Supplement plans in addition to Plan A, it must offer along with any other standardized Medicare Supplement plans it offers.<\/p>\n\n\n\n

Please note that although the names may sound similar, the \u201cparts\u201d of Medicare, such as Part A and Part B, are not the same as Medigap Plan A, Plan B, etc.<\/u><\/em><\/strong><\/p>\n\n\n\n

Medicare Supplement plan coverage<\/strong><\/h1>\n\n\n\n

Each Medicare Supplement plan offers a different level of coverage, but each lettered plan must include the same standardized benefits regardless of insurance company and location. For example, Medicare Supplement Plan G in Florida includes the same benefits as Plan G in North Dakota. Please note that if you live in Massachusetts, Minnesota, or Wisconsin, your Medicare Supplement insurance options are different than in the rest of the country. Medicare Supplement plans do not have to cover vision, dental, long-term care, or hearing aids, but all plans must cover at least a portion of the following basic benefits:<\/p>\n\n\n\n