Confused and Overwhelmed By Medicare?
Do You Know the Differences in Original Medicare, Medicare Advantage, Medicare Supplement, & Prescription Drug Coverage?
To make good decisions, you need the right information. It is very important for everyone eligible for Medicare to get accurate information about coverage and delivery options, including Original Medicare, Medicare Supplements, Medicare Advantage, and Prescription Drug Coverage. Attention to these issues will help you avoid serious and costly problems later. When you are fully informed, you feel more confident about taking action. And taking the right action is the key to protecting the quality of your healthcare in the coming years.
Medicare options can be difficult to understand, especially if you are turning 65 or enrolling in Medicare for the first time. If you feel like you are spinning your wheels, wondering how to make the best Medicare decision, you are in the right place. The good news is, you don’t have to do this alone.
Your Two Medicare Choices.
You have two Medicare choices for receiving your Medicare coverage. You can get your Medicare coverage through Original Medicare OR Medicare Advantage. Understanding Your Medicare Choicest is the difference between Original Medicare and Medicare Advantage is the first step in getting the coverage that is right for you and protecting your healthcare now and in the future. Currently, 51 million beneficiaries are enrolled in the Medicare program. Enrollment is expected to rise to over 80 million by 2030. See Video on Your Two Medicare Choices.
- Original Medicare is a health insurance program run by the federal government. Under Original Medicare, the government pays healthcare providers directly for the services you receive. With Original Medicare, there are no network restrictions. That means you have the freedom to choose any doctor, specialist or hospital anywhere in the USA when you need care. When enrolled in Original Medicare you do not need to get prior approval, referral, or permission from Medicare or from your primary care doctor when you need care.
- Medicare Advantage is a health insurance program run by private insurance companies contracted by Medicare. If you enroll in a Medicare Advantage Plan you will automatically be dis-enrolled from Original Medicare and you will NOT be able to use your red, white, and blue Medicare card. If you enroll in a Medicare Advantage Plan, there are network restrictions. This means you are required to see the healthcare providers in the Medicare Advantage network; plus, in most cases, you will need to get prior approval when you need care, except in case of an emergency.
By federal law, all Medicare Supplements are standardized and offer identical benefits from all companies. Medicare Supplement Insurance is offered by private insurance companies. Medicare supplement insurance covers some of the gaps not paid by Original Medicare Parts A and B. Plan G and Plan G High Deductible are two popular plans. With a Medicare Supplement, you have the freedom to choose any doctor, specialist, or hospital anywhere in the USA when you need care. With a Medicare Supplement, you are protecting the quality of your healthcare NOW and in the FUTURE. Medicare supplement insurance provides choice, control, freedom, flexibility, and great value for your healthcare needs. With a Medicare Supplement, you don't have to worry about provider access problems, coverage denials for medical services, coverage denials for prescription drugs, limitations of the plan networks, limited treatment, and denials for advanced cancer treatment.
Medicare Advantage Plans
Medicare Advantage plans were created under the Balanced Budget Act of 1997 and signed into law by President Bill Clinton. These plans are commonly called Part C of Medicare. Congress designed this program to give Medicare beneficiaries a lower-premium option than Medicare supplement insurance. They also have very little Medicare underwriting. This means they are a coverage option for people who missed their open enrollment window for Medigap and now cannot qualify for Medigap due to health conditions. Medicare Advantage plans are NOT similar to Medigap plans – they are different. Members get their benefits from a private insurance company instead of Original Medicare. You never permanently replace your Medicare when you join a Medicare plan. Instead, you are just choosing to get your benefits from a private company for the rest of the calendar year. You can always return to Original Medicare during a valid election period. You must continue to stay enrolled in both Medicare Part A and B while enrolled in your Medicare Advantage plan. Medicare pays the Medicare Advantage company on your behalf to take on your medical risk. This is how Medicare Advantage plans are funded.
So Let's Get Started!
Compare the Medicare rates for Medicare supplements and Medicare Advantage Plans in the privacy of your home. Don't overpay. If you have any questions, our Certified Medicare Advisors can be extremely helpful and can turn a confusing situation into a rather easy process. We have been helping seniors enroll in Medicare plans for more than 40 years. Give us a try – we provide exceptional, straightforward no-hassle service. We consistently hear from our senior friends that our Medicare Advisors are the first people they have spoken with that have finally helped them make some sense out of Medicare. There is NO COST to you for our services. See What Our Senior Friends are Saying.
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