Learn about Medicare Advantage plans

Medicare 2020 Drug Plan

Change Your Medicare 2020 Drug Plan Today

medicare 2020 drug plan

You can get the drug plan you want in 2020! Here’s the big Medicare Part D and Medicare.gov update: During the last 2019 Annual Enrollment you may have used the new Medicare.gov Plan Finder which was rolled out in October 2019. Unfortunately, there were a lot of errors with this new Plan Finder. Our agents at Senior Healthcare Direct were one of the first to realize that a lot of data from Medicare.gov plan finder was not adding up. For example, the Medicare.gov Plan Finder did not match up with the carriers.

Helping You Get The Right Drug Plan

To help our clients, we cross referenced Medicare.gov and the carrier information. As a result, we helped our clients get the right drug plan. However, other Medicare agencies or individuals who did not know ended up enrolling in the wrong plan. Consequently, there have been a lot of complaints to Medicare. Because there were enough complaints, Medicare opened up a new Special Enrollment Period. So if you used plan finder in 2019 and chose the wrong 2020 drug plan because the information provided was inaccurate, you can change your drug plan. Therefore, you do not have to wait until October 2020. You can get a new drug plan today! Watch the video below for more details.

You Can Change Your Medicare 2020 Drug Plan

MedicareBob, owner of Senior Healthcare Direct, breaks the news about Medicare Plan Finder inaccurate information and how you can change your drug plan today. Watch the video to get more details and learn what to say when you call Medicare to change your drug plan.

MedicareBob’s Big 2020 Announcement

How to Change Your Drug Plan

You can make changes to your Medicare Advantage or Medicare Part D plan. If you made the wrong plan choice because of inaccurate information on the Plan Finder, call 1-800-MEDICARE and explain your situation. For other special circumstances, such as you move or lose other insurance coverage, visit Medicare.gov

medicare 2020

Medicare 2020: Medicare Advantage vs. Supplement Plan, which is better?

Medicare 2020: Medicare Advantage vs. Supplement Plan

There are a number of differences between Medicare Advantage and Medicare Supplement plan. The Medicare 2020 chart below highlights the major differences. For easy reference, benefits are green and disadvantages are red.

Click Medicare 2020 chart to embed or download infographic

2020 Medicare Advantage vs Medicare Supplement

Medicare Advantage has a smaller, local network of providers. While Medicare Supplement network has over 800,000 providers nationwide. You must have Medicare Part B and pay $198 deductible for a Medicare Advantage plan. However, a Medicare Supplement plan pays the 20% co-insurance expense of Medicare Part B and the deductible of Part A ($1408 in 2020). Medicare Advantage has set co-payments. While Medicare Supplement covers your co-pays for hospital stays, skilled nursing facility care, hospice and home health care. Essentially, Medicare Supplement fills the holes in Medicare so you don’t have any surprise bills. That’s why it is also called Medigap. For example, when you go to the hospital, the Supplement plan pays your $1408 deductible. However, Medicare Advantage charges you around $300 per day each day for days 1-7. As a result, spending a week in the hospital with Medicare Advantage will cost you $2,100.

Referrals and Underwriting

Medicare Supplement plans have consistent benefits from year to year. On the other hand, Medicare Advantage plans may change their benefits. So you will have more homework to review upcoming Advantage plans. Medicare Supplement plan require no referrals. So you can quickly go to any doctor or hospital without a referral or prior authorization. However, HMO Advantage plan requires you to get referrals. There is no medicare underwriting requirements for Supplement plan as long as you apply within your initial 6 month enrollment period (get more details on Medicare Supplement plan). Likewise, all health conditions are accepted except End-Stage Renal Disease (ESRD).


Medicare Advantage plans have lower monthly premiums. However, you will pay extra every time you use your benefits by paying fixed co-payments and co-insurance. Moreover, you will continue to pay for benefits until your reach your maximum out-of-pocket limit of about $7,000. On the other hand, Medicare Supplement plans have higher monthly premiums. However, the plan pays all copays and co-insurance costs for Medicare covered services. In other words, you total out-of-pocket equals your annual premium amount. Therefore, you get a predictable monthly expense.

Prescription Drugs

Medicare Supplement require you to add Medicare Part D plan to cover prescription drugs. To avoid late enrollment penalty, you want to enroll in Medicare Part D during your initial open enrollment period October 15 – December 7. If you missed open enrollment, the new open enrollment is January 1 – March 31, 2020. Click here for details on Medicare New Enrollment 2020. Most HMO Medicare Advantage plans cover prescription drugs. Likewise, PPO and PFFS plans may also cover prescription drugs.

2020 Medicare Supplement Plan and 2020 Medicare Advantage Plan

Medigap Monday: When Can I Upgrade From A Medicare Advantage Plan To A Medicare Supplement

2018 Medicare Advantage Plan Finder

Medicare Advantage or Medicare Supplement Plan, which is better?

Medicare Advantage Plans Merging:

CMS finalizes 2016 payment and policy updates for Medicare Health and Drug Plans


April 6, 2015

Contact: CMS Media Relations

(202) 690-6145 | go.cms.gov/media

CMS finalizes 2016 payment and policy updates for Medicare Health and Drug Plans

Rate Announcement Details Plan Payments and Other Program Updates for 2016


The Centers for Medicare & Medicaid Services (CMS) today released final Medicare Advantage (MA) and Part D Prescription Drug program changes for 2016 that provide fair and accurate payments to plans, and encourage the delivery of high-quality care for all populations.


“These policies strengthen Medicare Advantage for current and future consumers by encouraging higher quality care,” said Andy Slavitt, acting CMS Administrator. “As the Medicare Advantage marketplace continues to grow, consumers are getting access to better care through more choice and competition. Seniors and people with disabilities, including the dual-eligible population, will continue to have an extensive choice of plans, affordable premiums, and better and more transparent information about provider networks and pharmacies.”


The Medicare Advantage and the Part D Prescription Drug programs’ enrollments and quality continue to grow and improve since the Affordable Care Act became law. Medicare Advantage has reached record high enrollment each year since 2010, a trend continuing in 2015 with a cumulative increase of more than 40 percent since 2010. At the same time, premiums have fallen by nearly 6 percent from 2010 to 2015. And, more than 90 percent of Medicare beneficiaries have access to a $0 premium Medicare Advantage plan.


The finalized policies fully consider the many comments received during the public comment period. Particular care is being taken to ensure that plan sponsors have the right incentives to care for dual eligible populations over the long term. The Rate Announcement finalizes changes in payments that will affect plans differently depending on the characteristics of those plans. On average, the expected revenue change is 1.25 percent without accounting for the expected growth in coding acuity that has typically added another 2 percent.  The final revenue increase is larger than the February advance notice largely because the Medicare actuaries recently updated Medicare per capita spending estimates for 2014 and 2015. Medicare per capita spending in 2014, 2015 and 2016 is still expected to be below historical standards.


Today’s announcement drives important improvements to the star rating system, additional accuracy and transparency of provider networks, and continues to promote improvements in quality of care for beneficiaries. The policies in the Rate Announcement and final Call Letter reflect Secretary Burwell’s commitment to a Medicare program – including Medicare Advantage – that delivers better care, spends health care dollars more wisely and results in healthier people. In the Final Call Letter, CMS continues to update the Star Ratings measures to drive improved quality for Medicare Advantage and Part D enrollees. To enhance program integrity and payment accuracy, Medicare Advantage plans will continue to be provided stringent oversight for improper payments, just like other providers in the Medicare program.


Lastly, the final policies will provide enrollees with greater information to make informed and timely decisions about their care and their coverage. The Final Call Letter takes steps to require Medicare Advantage plans to maintain accurate provider directories in a timely manner and make those directories widely available. These steps will help enrollees better understand the providers and choices available to them. In addition, CMS will ensure that Part D sponsors provide clear and accurate access to information on preferred cost sharing pharmacies in their networks so that all beneficiaries have access to affordable coverage.


To view a fact sheet on the 2016 Rate Announcement and final Call Letter, please visit: http://www.cms.gov/Newsroom/MediaReleaseDatabase/Fact-sheets/2015-Fact-sheets-items/2015-04-06.html

# # #

Get CMS news at cms.gov/newsroom, sign up for CMS news via email and follow CMS on Twitter @CMSgov

Shared by: Robert Bache

Twitter @MedicareBob






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United Healthcare / AARP is offering 3 PPO Medicare Advantage Plans in Pinellas County Florida for 2015:

United Healthcare / AARP is offering 3 PPO Medicare Advantage Plans in Pinellas County Florida for 2015:

(Call 1-855-368-4717 to enroll)

Insurance Plan Summary
InsurerUnitedHealthcare/Medicare CompleteUnitedHealthcare/Medicare CompleteUnitedHealthcare/Medicare Complete
PlanAARP MedicareComplete Choice Plan 2 R5287-001AARP MedicareComplete Choice H5532-001AARP MedicareComplete H1080-004
Monthly Premium$0.00$29.00$0.00
Medical Coverage
Primary CareIn Network $15 copay; Out-of-Network $45 copayIn Network $15 copay; Out-of-Network $45 copay$5 copay
Specialist VisitsIn Network $50 copay; Out-of-Network $70 copayIn Network $50 copay; Out-of-Network $70 copay$45 copay
Routine Annual Physical$0 copay$0 copay$0 copay
Routine Annual Eye$50 copay (for up to 1 every year)$50 copay (for up to 1 every year)$45 copay (for up to 1 every year)
Inpatient Hospital CareIn Network $395 copay per day, days 1-4; Out-of-Network 40% of the costIn Network $395 copay per day, days 1-4; Out-of-Network 40% of the cost$335 copay per day, days 1-5
Diagnostic Tests, X-rays, & Lab Services$22 to $25 copay (or 20% of the cost)$13 to $16 copay (or 20% of the cost)$13 to $16 copay (or 20% of the cost)
Outpatient SurgeryIn Network 20% of the cost; Out-of-Network 40% of the costIn Network 20% of the cost; Out-of-Network 40% of the cost20% of the cost
Emergency Care$65 copay, waived if admitted$65 copay, waived if admitted$65 copay, waived if admitted
Urgent Care$30 to $40 copay$30 to $40 copay$30 to $40 copay
Ambulance$300 copay$250 copay$250 copay
Home Health Care$0 copay$0 copay$0 copay
Skilled Nursing$0 copay per day, days 1-20; $155 copay per day, days 21-64; $0 copay per day, days 65-100$0 copay per day, days 1-20; $155 copay per day, days 21-59; $0 copay per day, days 60-100$0 copay per day, days 1-20; $155 copay per day, days 21-59; $0 copay per day, days 60-100
Annual DeductibleN/AN/AN/A
Out-of-Pocket Maximum$6,700 to $10,000$5,900 to $10,000$5,900.00
Out-of-Network CoverageIt may cost more to get care from out-of-network providers, except in an emergency. See Plan Details for additional information.It may cost more to get care from out-of-network providers, except in an emergency. See Plan Details for additional information.It may cost more to get care from out-of-network providers, except in an emergency. See Plan Details for additional information.
Prescription Drug Coverage
Amount you pay for prescriptions up to $2,960
Pharmacy Deductible$200 for Tiers 3 and 4 only$250 for Tiers 3 and 4 only$220 for Tiers 3 and 4 only
Retail (one month)$2/$8/$45/$95/33%$2/$8/$45/$95/33%$2/$8/$45/$95/33%
Mail (three month)$4/$16/$125/$275/33%$4/$16/$125/$275/33%$4/$16/$125/$275/33%

What is a Medicare Advantage Plan?

What is the difference between Medicare Advantage Plans and Medicare Supplement Plans?

Physicians United Plan

The State of Florida is seeking to dissolve Physicians United Plan (PUP).

Florida is looking to dissolve the local Medicare Advantage health insurance company.

Health News Florida is reporting, The Florida Department of Financial Services filed a petition in Leon County Circuit Court to place the Orland-based plan into receivership because it is insolvent. The company’s May financial statement reported assets of $92.4 million while liabilities amounted to $105.3 million.

Florida’s commissioner of insurance regulation, “PUP’s insolvency poses a serious danger to the financial safety of the policyholders, subscribers, claimants, creditors and citizens of the state of Florida.”

Physician’s United is a Private health insurance company offering Medicare Advantage Plans to Medicare Beneficiaries in the following Florida Counties: Brevard, Broward, Hillsborough, Lake, Marion, Miami-Dade, Martin, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Seminole, Sumter, St. Lucie and Volusia.

This news is in line with a Blog / Video that I posted last year, “Is Obamacare going to destroy Medicare Advantage Plans?”. Click here to watch video:

The Affordable Healthcare Act is cutting funding to Medicare Advantage Plans, as mentioned in last years blog I wrote, “I believe that the smaller insurance companies will either be purchased by a larger insurance company, or go out of business”, Robert Bache.

PUP is an example of  a Company going out of business because it ran out of money. It is reported that in April, PUP’s leaders acknowledged that the company needed $30 million in capital by June 3rd to avoid liquidation. Obviously, they were not successful in getting the capital and now that State of Florida has asked for automatic liquidation on July 1.

What does this mean to PUP Policyholders?

We are not sure, however the most likely scenario that will occur is:

Policyholders will receive a letter from CMS (Centers of Medicare Services) stating that they are losing their Plan and will have 63 days to find a new Plan. To see what Plans are available please call Senior Healthcare Direct toll free, 1-855-368-4717.

Robert W. Bache aka “MedicareBob™”

President / Producer

Senior Healthcare Direct

Direct Toll Free: 1-800-525-0299

Company Toll Free: 1-855-368-4717


Learn more about Robert aka “MedicareBob™”



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Medicare Advantage Cuts Proposed for 2015

(MedicareBob™) – The U.S. government on Friday proposed a cut in payments to private health insurers for 2015 Medicare Advantage plans, a move Republican lawmakers said would hurt benefits for the elderly and disabled.

The proposal, released in a document by a division of the U.S. Department of Health and Human Services, appeared to cut payments by more than the 6 to 7 percent the insurance industry had expected, one Wall Street analyst said.

“Now the lobbying begins: can the plans get Congress to help make the cut less severe?” CRT Capital analyst Sheryl Skolnick said, adding that her assessment of the hundreds of pages of information was preliminary.

Friday’s notice of proposed rates opens a window for negotiations on the final ruling, due April 7.

Insurers and lawmakers have said cuts will mean smaller networks of doctors and hospitals and higher out-of-pocket costs. Insurers have said they could only maintain benefits if there was no change in payments for 2015 from 2014.

Many factors go into determining the government’s total reimbursement to insurers. These payments are based in part on the assumption that Medicare Advantage spending per person will fall 3.55 percent in 2015. Total reimbursement to insurers, however, is influenced by factors such as payments for patients who are sicker than average.

An executive at one company that manages Medicare Advantage plans said that insurers are facing cuts in the 8 percent to 10 percent range when factoring in the per capita spending decline and other planned reductions. These include a new health insurance tax under President Barack Obama’s healthcare law as well as other risk adjustments.

Other industry officials said they were still reviewing the Medicare notice to determine its full impact. Republican lawmakers said any additional cuts to the program were unacceptable.

“These Medicare Advantage cuts are misguided, threaten a successful program for seniors, and must be overturned,” Republican Senator Orrin Hatch said in a statement.

“Medicare Advantage is extremely popular for a reason – run through the private market, seniors gain access to high-quality and coordinated care with additional benefits that they otherwise wouldn’t get,” he said.

The criticism from Hatch and other leading Republicans adds to pressure from the party over Obama’s signature domestic policy achievement. The Patient Protection and Affordable Care Act, which aims to extend health coverage to millions of uninsured Americans, includes provisions to cut Medicare spending.

UnitedHealth Group Inc, Humana Inc and Aetna Inc are among the insurers who manage private Medicare plans for about 15 million of the 50 million Americans eligible for Medicare.

The shares of insurers fell in after-hours trading. Humana posted the biggest loss with a 4 percent decline.


The proposed payment rates are a key factor in how insurance companies plan theirbusiness for the coming year, including in which markets they will offer health plans, what their medical and administrative costs will be and at what level to set premiums and doctor visit co-payments.

Insurers have said that 2014 was a difficult year for Medicare Advantage because of cuts to payments estimated at about 6 percent overall by the industry group, called America’s Health Insurance Plans (AHIP).

“As 2015 payment rates are finalized, we urge the Medicare agency to protect seniors from facing higher costs and fewer benefits by keeping Medicare Advantage payment rates flat,” AHIP Chief Executive Karen Ignagni said in a statement.

The Centers for Medicare and Medicaid Services said in a statement that the proposed changes for 2015 are smaller than those implemented in 2014.

It also said in the statement that it planned to calculate risk scores in 2015 with the same methodology as in 2014. It said it would change a part of its risk payment formula to account for the increasing proportion of baby boomers entering Medicare, who tend to have better health.

It was not immediately clear how these and other formula changes in the document would affect the industry overall or specific insurers.

Medicare Advantage and other government paid-healthcare services like Medicaid are among the insurers’ fastest growing businesses.

But if the costs to insurers of providing the healthcare services outpace the payments from the government, the difference is paid by the insurers, undermining their ability to profit from these plans.

“Medicare Advantage plans are fully at risk under this program. So if their estimate is off, for better or for worse, they are at risk for that,” said Anne Hance, a lawyer at McDermott Will & Emery in Washington, D.C. who focuses on regulation.

(Reporting by Caroline Humer; Editing by Michele GershbergJonathan Oatis, G Crosse,David Gregorio and Andre Grenon)

Robert Bache’s thoughts:

This is the trend that we have seen over the past 6 years, and it will continue. I anticipate less and less Medicare Advantage Plan options every year for at least the next 3 years.

Medicare, Dental, Vision, Hearing

Medicare Advantage Plan HMO-POS

Medicare Advantage Plan HMO

Medicare Advantage Explanation

What are the Benefits to Advantage Plans?

Is Obamacare Destroying Medicare Advantage Plans?

What is a Medicare Advantage Plan

AARP United Healthcare Medicare Advantage Plans:

AARP United Healthcare Medicare Advantage Plans


What are Medicare Advantage Plans?

Medicare Advantage (MA) Plans are health plan options approved by Medicare and offered by private insurance companies that are contracted by the federal government (the Centers for Medicare & Medicaid Services, or CMS). These plans are part of Medicare and are also called Part C or MA Plans. Medicare Advantage Plans provide Medicare hospital and medical coverage (Part A and Part B) and usually Medicare prescription drug coverage (Part D). They are not supplemental insurance (i.e. Medicare Supplement Plans). Medicare Advantage (Part C) Plans must provide benefits equivalent to Original Medicare, but most plans also offer additional benefits as well. These additional benefits may vary by plan.

Medicare pays a fixed amount for care every month to the companies offering Medicare Advantage Plans. These companies must follow rules and regulations set by CMS when administering Medicare Advantage Plans


HMO & PPO Plan Description

HMO   Plans

  • Feature single card convenience
  • Include plans starting at $0 monthly plan premiums
  • Provide additional benefits and services not covered        by Original Medicare
  • Many plans include Medicare prescription drug        coverage (Part D)
  • Provide access to a local contracted network of        doctors
  • Some plans do not require a referral to see a        specialist
  • Coverage for many preventive services for a $0        copayment, including an annual routine physical
  • Worldwide coverage for emergency care


POS   Plans

Point of Service plans are HMO   plans that also offer members the ability to:

  • Visit doctors outside their network for certain        services, typically for higher copayment/coinsurance
  • Access providers without referrals, in many plans


PPO   Plans

PPO plans offer the benefits of an   HMO plan as well as these additional key features:

  • Freedom to receive care from provider of choice,        inside or outside the network
  • No provider referrals are ever needed
  • Allows the member to maximize their benefit when they        receive care inside the plan’s network of providers. Going outside the        network for covered services generally costs more money.

United Healthcare also offers many   HMO, PPO and POS plans to fit the consumer’s specific needs.


Call Senior Healthcare Direct today to review all of the 2014 Medicare Advantage Plans: 1-855-368-4717 OR Go to: http://SrHealthcareDirect.com/quoting-engine-2/


Robert W. Bache aka “MedicareBob™”

President / Producer

Senior Healthcare Direct

Direct Toll Free: 1-800-525-0299

Company Toll Free: 1-855-368-4717



Learn more about Robert aka “MedicareBob™”


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Aetna Medicare Advantage Plan 2014 HMO Preview:

Aetna Medicare Advantage Plan 2014 HMO Preview:

Aetna is offering two types of Medicare HMO Plans in 2014:
1. The Aetna Medicare Traditional HMO
2. The Aetna Medicare Open Access HMO

The Aetna MedicareTraditional HMO:
Referrals are not needed for certain services that are considered “direct access”:

  •   ER and urgent care
  •   Routine eye exams
  •   Flu and pneumonia shots
  •   Annual mammograms

The Aetna Medicare Traditional HMO requires a member select and use a primary care physician (PCP).
The PCP coordinates care and provides referrals to other health care providers in the Aetna Medicare Plan (HMO) network.
Getting a referral is easy. If the PCP cannot treat the condition, the doctor can issue a referral to an Aetna Medicare Plan (HMO) network specialist.

The Aetna Medicare Open Access HMO:

  •  It allows members to go to any Aetna Medicare Plan (HMO) network provider they choose for covered services without a primary care provider (PCP) referral.
  •   PCP selection is not required, but is recommended.
  •   Members receive the same benefits as the Traditional HMO plan.

ALL 2014 Aetna Medicare HMO Plans include:

  •   Routine physicals
  •   Annual Wellness exams
  •   Mammograms
  •   Routine gynecology exams
  •   Prostate cancer screenings
  •   Flue and pneumonia vaccines
  •   Colorectal screenings
  •   Bone density exams (bone mass measurement)
  •   All Plans have a maximum out of pocket amount
  • Aetna Health ConnectionsSM Disease Management
  • Healthy Outlook Program
  • National Medical Excellence Program
  • Case Management Services
  • Annual Preventative Reminders
  • Numbers to know
  • Informed Health Line
  • Doc Find

Here is a partial list of benefits covered in the plans:

  •   Primary care
  •   Specialty care
  •   Inpatient hospitalization
  •   Surgery
  •   Home health care
  •   Skilled nursing care
  •   Outpatient services
  •   Ambulance services
  •   Urgently needed care
  •   Hearing aid and/or eyewear reimbursements are covered in some plans.


All plan include a monthly health club membership that includes two options:
o Tier 1 clubs – no copay
o Tier 2 clubs – nominal annual copay

  •   Members are covered for urgent and emergency medical care 24 hours a day, seven days a week, anywhere in the world.
  •   Optional Supplemental Benefits that provide coverage for dental, hearing, and/or vision are available for an extra cost with some HMO Plans.

Some plans include a Transportation benefit (24 one-way trips) per year that can be used for travel for defined health care needs.

MedicareBob™’s Favorite Benefit for Aetna’s 2014 Medicare Advantage HMO Plans:
I really like “Aetna’s Travel Advantage Program” that is included in Aetna 2014 Medicare HMO Advantage Plans.

The Travel Advantage Program Fact Sheet:
o It covers members who are temporarily traveling to another Medicare HMO service area for up to 12 consecutive months.
o It provides access to the same benefits that members receive in their home service area.
o Member must contact Member Services to elect the Travel Advantage Program.
o Members must contact Member Services when they return to their home service area.
o Members must use Aetna Medicare HMO network Providers.

TO LEARN MORE CALL ME, 1-800-525-0299.

Robert Bache aka “MedicareBob™”
President / Producer
Senior Healthcare Direct
Direct Toll Free: 1-800-525-0299
Company Toll Free: 1-855-368-4717

Learn more about Robert aka “MedicareBob™”


Please “Like” Senior Healthcare Direct on Facebook:

Robert Bache

About Medicare Advantage Plans / Medicare Part C

About Medicare Advantage Plans / Medicare Part C

What Is Medicare Advantage (Part C)?

As a Medicare recipient, you are eligible for additional health plan choices, such as Medicare Advantage. This type of plan, sometimes referred to as “Part C”, combines health insurance with health services. The benefits include all of Part A (hospital insurance) and Part B (medical insurance), and certain plans may also include Part D (prescription drug coverage).

Medicare coverage is broken up into parts and cover specific services.

Medicare Part A (hospital insurance) includes:

  • Hospital and inpatient care
  • Nursing facilities, hospice, and home health care

Medicare Part B (medical insurance) includes:

  • Doctors’ services, hospital outpatient care, and home health care
  • Preventive services

Medicare Part D (prescription drug coverage) includes:

  • Prescription drug coverage through Medicare-approved insurance companies
  • Discounts on prescription drugs

Each health insurance company must follow the guidelines set by Medicare. However, there are no set rules regarding out-of-pocket costs or how a member receives services (referrals, in-network vs. out-of-network). These rules vary according to health insurance carrier and may change each year.

I would love the opportunity of assisting you in understanding the available Medicare Advantage Plans in your County, please call me toll free: 1-800-525-0299.

-Robert Bache, “MedicareBob”

What is an HMO Medicare Advantage Plan?

Robert Bache

Medicare Supplement OR Medicare Advantage Plan, which is better?

Medicare Supplement vs. Medicare Advantage Plan, which offers better coverage?
A Medicare Supplement Plan works with Medicare to pay the out of pocket costs that Medicare does not pay for. When you have a Medicare Supplement Plan, you will continue to use your Medicare red, white, and blue card, as well as your Medicare Supplement Card.

A Medicare Advantage Plan works in replace of Medicare. Medicare pays a private insurance company to insure you, with the requirement that the benefits are at least as good as what Medicare offers. If you choose a Medicare Advantage Plan, you can put away your Medicare red, white, and blue card because you will only be required to present your Medicare Advantage Plan card to use the insurance.
So which is better?
Good news, there is no wrong answer, they both are good, and both probably offer better coverage than you are used too. Below are the good and the bad for each type of insurance, I hope this helps:

 Medicare Supplement:

The Good:

Flexibility- choice of Doctor and/or Hospital

Predictability- very little out of pocket expense

Pays all hospital bills

You and your Doctor decide your care

Easy to shop and compare the different prices

No referrals are required, no HMO or PPO

Travels with you, same coverage all over the US

Electronic Billing

The Bad:

An additional Monthly Premium ($75-$180)

No dental or vision coverage

Monthly premium increases every year

No prescription drug coverage, you will need Part D


In summary, a Medicare Supplement Plan is going to cost an additional monthly premium, but it provides coverage that allows you to choose your own Healthcare Providers, and it is easy to budget because as long as you pay the monthly premium, you will rarely get a bill.

Medicare Advantage Plan

The Good:

Very low monthly premium, sometimes $0.00

Insurance Company helps manage your care

Some dental and/or vision

Includes prescription drug coverage

The Bad:

High out of pocket costs up to $3,500 to $7,500

Doctor / Hospital Network: HMO or PPO

Requires referrals

Annual Contracts, can only change 10/15-12/07

Coverage is limited to your County

Insurance Company decides your care

In summary, a Medicare Advantage Plan operates like group health insurance that most of us have had our whole life, and has a low monthly premium. However, if you are retiring and your income is being reduced, it may be more difficult to have health insurance that is impossible to budget for because you do not know how much you will use the Plan each year.

Candid MedicareBob™: I assist roughly 100 people per month with choosing which Medicare Coverage is the best for them, and 70% of the time, the choice is a Medicare Supplement Plan. This does not mean that I do not like Medicare Advantage Plans, to me it really comes down to the pricing that is available for the Medicare Supplement Plans in your area. If a Medicare Supplement Plan F, G, or Plan N is $100 or less per month, than a Medicare Supplement makes a lot of sense for most people. This being said, I do have clients that cannot afford a Medicare Supplement, this is when I assist them in choosing the right Medicare Advantage Plan for them. As I mentioned previously, both Medicare Supplement Insurance and Medicare Advantage Plans typically offer better insurance than you have had while you were working.


You should know: The only time that you are guaranteed approval for any Medicare Supplement Plan is when you first turn 65 years old, or within 6 months of when you start Medicare Part B.

How do I, a licensed insurance agent/broker that sells Medicare Supplements and/or Medicare Advantage Plans make money?

This is a fair question, and I am happy to share this information with you. My services; Medicare education, telephonic enrollment, and customer service, has no additional cost to you. I get paid by the insurance company, not by you.

CLICK HERE TO WATCH A SHORT VIDEO: Medicare Advantage or Medicare Supplement, which is better?

Medicare insurance question? What quotes from 20+ Medicare Supplement Companies? What a chart of the available Medicare Advantage Plans in you County? Call me, Robert W. Bache aka MedicareBob™: 1-800-525-0299.

Robert W. Bache aka “MedicareBob™”
President / Producer
Senior Healthcare Direct
Direct Toll Free: 1-800-525-0299
Company Toll Free: 1-855-368-4717
Learn more about Robert aka “MedicareBob™”


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Robert Bache

Which is Better, Medicare Supplement Insurance or Medicare Advantage Plans?

Medicare Supplement vs Medicare Advantage

Robert Bache aka MedicareBob™ explains the fundamental differences between Medicare Supplement Plans and Medicare Advantage Plans.

Robert Bache, “Are you a person that would rather pay now or pay later? Medicare Supplement is for people who would rather pay now, a Medicare Advantage Plan is for people that would rather pay later…”

Cigna to begin co-branding marketing with recently acquired HealthSpring

Cigna to begin co-branding marketing with recently acquired HealthSpring:

Back in 2012 Cigna Cop. purchased HealthSpring of Nashville. Tenn for $3.8 billion for a larger share of the Medicare market. Cigna has recently announced that they are starting a new marketing campaign branding the two companies together.

This is a good sign if you have a HealthSpring Medicare Advantage Plan, this is an indication that Cigna is going to continue to fund the Plans properly. I do not think that Cigna would co-brand if they thought the HealthSpring Plans were not going to be around for the future.

This really goes along with my previous articles and videos. The smaller Medicare Advantage companies are either going to be purchased by one of the insurance jugernauts, or they are gong to disconinue their Plans.

Robert Bache aka “MedicareBob™”





Medicare Advantage Plans are Changing

Medicare Advantage Plans are Changing

Obamacare includes some changes to the Medicare Advantage program:

  • Starting January 2014, Medicare Advantage plans will be held to a minimum loss ratio of 85%
  • Requires restructuring the funding levels to Medicare Advantage plans in order to reduce payments closer to traditional Medicare (i.e. remove the 14% “overpayment” to Medicare Advantage)

            1)  Congressional Budget Office estimates this will cut $145 billion over 10 years

           2)  The payment restructuring was designed to be implemented in 2011.

  • However, in 2012 CMS expanded “quality” payments to Medicare Advantage plans through a demonstration program (outside of Obamacare) that effectively mitigated most of the impact of the Medicare Advantage funding cuts from Obamacare.  The demonstration program is targeted to continue through 2014, at which time the additional bonus payments will end unless other measures are put in place.

MedicareBob™’s explanation:

Medicare Advantage Plans are receiving less money from the Government, therefore the insurance companies are going to have to do better with less money. I look for the smaller Medicare Advantage companies to either go out of business, or be purchased by one of the bigger insurance companies.

Examples: Care Improvement Plus has been purchased by United Healthcare, and Coventry has been purchased by Aetna.

What does this mean to people one Medicare Advantage Plans?

·         Less options

·         Less benefits

·         Maybe more of a monthly premium

The days of paying a $0.00 premium and receiving a rich Medicare Advantage Plan are ending soon. However, when you compare the benefits and premium of a Medicare Advantage Plan to an Employer or Private insurance Plan, Medicare Advantage Plans are still typically going to offer better coverage. Medicare Advantage Plans over the next few years should still offer good benefits for a low monthly premium.

 Robert Bache aka “MedicareBob™”

Cell Phone:1-800-525-0299


Robert Bache

Medicare Advantage Plan HMO-POS

Robert Bache

Medicare Advantage Explanation

Medicare Advantage or Medicare Supplement, which is better for me?

Medicare Advantage or Medicare Supplement, which is better?

They are both good, there is no wrong answer.

Summary of Medicare Advantage Plan:

Low monthly premium
HMO/PPO means you can only go to certain Doctors and Hospitals
“Pay as you go”, you will have copay’s for Medical Services: Doctor visits, Hospitalization, Lab Work, Advanced Imaging, etc…

Is a Medicare Advantage Plan right for me?

If you are comfortable with having a list of Doctors/Hospitals/Facilities, and you do not mind be required to pay a copay every time you use your Plan, than yes, a Medicare Advantage might be a good fit for you.

Summary of Medicare Supplement Plan:

Flexibility, you can go to any Hospital/Doctor/Facility that accepts Medicare
Predictable, Medicare Supplement’s pay what Medicare would normally charge you
An additional $80 to $140 monthly premium

Is a Medicare Supplement Plan right for me?

Not so healthy person: Yes, you will save money by purchasing a Medicare Supplement Plan.

Healthy person: Would you consider the additional monthly premium a cost of living or a waste of money?

Waste of money: Then you are not a Medicare Supplement type of person…
Cost of living: I am 65 or older, things happen…

I am able to discuss this better through my video blog and or on the phone.


Call Me, Robert W. Bache Toll Free: 1-855-368-4717 or Cell: 727-643-0219.