Medicare Supplement & Medicare Advantage Insurance
Get help with unexpected medical costs that aren’t covered by Medicare with a supplement or advantage plan. Speak with an expert about your options today today.
What is Medicare Supplement Insurance?
Medicare supplement (Medigap) insurance can help pay some of the health care costs that original Medicare does not cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then the Medigap policy will either cover all your Medicare deductibles, copayments and coinsurance or leave some costs for you to pay on your own.
A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
What is a Medicare Advantage Plan? (Part C)
Medicare Advantage (Part C) are offered by private insurance companies. Your choices vary depending on where you live, and the coverage and cost vary from plan to plan. They offer financial protection because they place a cap on your out-of-pocket costs for covered medical services.
What does Medicare Advantage Cover?
- All the benefits of Part A (except hospice care, which is covered by Part A)
- All the benefits of Part B
- Prescription Drugs
- Most plans offer additional benefits such as dental, vision, hearing services, wellness programs, and fitness memberships.
Compare the Coverage:
| Benefits & Features | Medicare Advantage* | Medicare Supplement (MediGap)* | Original Medicate |
| Helps pay for hospital stays | Yes | Yes | Yes |
| Helps pay for some medical care, like doctor visits | Yes | Yes | Yes |
| Helps Pay for preventive services, like flu shots | Yes | Yes | Yes |
| Helps Pay for Prescription drugs | Yes | No coverage ** | Yes |
| Routine Vision Coverage | Yes | Varies by plan | No coverage |
| Routine Hearing Exam and hearing aid coverage | Yes | Varies by plan | No coverage |
| Limits your annual out of pocket costs | Yes | Yes | No protection |
*Benefits vary by plan
**Requires purchase of stand-alone prescription drug plan
Contact us to learn more about the right Medicare Supplement Insurance coverage for you.