Medicare Advantage

This blog section contains information on Medicare Advantage plans. Learn about Medicare Part C and discover when you can change your plan during the Open Enrollment Periods. Moreover, find out about Silver Sneakers, Dental Plans, and compare Supplement plans to Medicare Advantage plans.

Does Medicare cover hearing aids - Audiologist fits hearing aid for senior man

Does Medicare cover hearing aids?

Does Medicare cover hearing aids - Audiologist fits hearing aid for senior man
Audiologist fits hearing aid for senior man.

Medicare Advantage (MA) plans may cover hearing aids and other benefits not available in Original Medicare. However, Medicare Part B does cover diagnostic hearing test and balance exams. After you pay a $203 Part B deductible in 2021, Medicare covers 80% of your hearing and balance test. (Medicare.gov

Estimated reading time: 3 minutes

Before Medicare Advantage covers your hearing aids, you must first have your hearing tested. So who can order your hearing test?

Medicare Hearing Test Coverage

Medicare will only cover your hearing test if ordered by your doctor or other health care provider. Other than your doctor, the following non-physician practitioners can order your hearing test: (asha.org)

  • Nurse practitioner
  • Clinical nurse specialist
  • Physicians’ assistant

Why would a health care provider order a diagnostic hearing test?

Reasons for Diagnostic Hearing Test

Due to a recent illness or injury, you may suffer hearing loss. Please tell a health care provider if you have difficulty hearing. During your healthcare appointment, a practitioner may observe a communication problem and order a hearing test. 

Audiologist administers hearing test for a senior woman
Audiologist gives hearing test to senior woman

For example, the results of your hearing test may demonstrate you can hear just fine. This outcome may lead to another diagnosis, cognitive impairment such as Alzheimer’s disease.  

Medicare Advantage with Hearing Aid Coverage

Senior Woman Wearing Hearing Aid
Senior woman wearing a hearing aid

If you have Medicare Advantage (MA) plan that does not include hearing aid coverage, you can switch to a MA Plan that does cover hearing aids. You can switch to a different MA Plan or enroll during MA Open Enrollment between January 1 and March 31. After March 31, you may be able to make MA Plan changes by qualifying for a Special Election Period. Otherwise, you will have to wait until Annual Election Period between October 15 and December 7.

Now that you know when to change or enroll in your MA Plan, what do hearing aids costs, and how much could you save?

Hearing Aid Costs

According to Miracle-Ear, “the average cost of a hearing aid is $1,000 to $4,000.” However, the real cost of hearing impairment is difficulty or inability to communicate with people. Furthermore, hearing an approaching vehicle could save your life. Thus, the actual price of not using a hearing aid could be injury or death. 

When it comes to improving quality of life and preventing accidental death, the value of hearing aids is much higher than the costs. However, with a Medicare Advantage Plan covering hearing aids, your out-of-pocket costs will be much less. An MA Plan with hearing aid coverage could save you thousands!

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Medicare Advantage Benefits dental coverage senior woman smiling

Medicare Advantage Benefits

Medicare Advantage (MA) plans may include benefits not available in Original Medicare or Medigap Plans. You can get the following exclusive benefits in an MA Plan:

Estimated reading time: 4 minutes

Find out when you can change your MA Plan to get these benefits.

Medicare Advantage Benefits senior man on computer and mobile phone
Senior man discovers Medicare Advantage benefits.

Changing Your MA Plan

Senior considers HMO vs PPO
Senior man considers HMO vs PPO advantage plans.

If you want different benefits in your MA Plan, you can switch your plan from January 1 to March 31 during MA Open Enrollment 2021. After this, you can make changes to your Medicare Advantage Plan during the 2022 Annual Election Period. However, outside these Open Enrollment Periods, you could qualify for a Special Enrollment Period. Discover the different Medicare Advantage benefits and costs between HMO and PPO Plans.

Medicare Advantage Dental Plans

Medicare Advantage Benefits dental coverage senior woman smiling

Medicare Advantage Plans may include routine dental care. For example, your dental plan may cover regular teeth cleanings and dental exams. Read about Dental Plans for Seniors, and discover the importance of regular dental checkups. Furthermore, find out how dental coverage can help you avoid oral cancer and gum disease.

In addition to dental coverage, your MA Plan may also include a fitness program.

Medicare Advantage Fitness Program

Senior couple exercising in gym
Discover why you need resistance training while dieting

People aged 65 or older can enroll in an MA plan that includes the Silver Sneakers’ fitness program. Members of Silver Sneakers have access to over 16,000 fitness locations across the United States. Discover the benefits of joining Silver Sneakers.

However, if you have MA Plan from UnitedHealthcare, you can join their fitness program called Renew Active. This program offers members “thousands of workout videos with Fitbit Premium content.” Furthermore, you get an “online brain health program with exclusive content from AARP Staying Sharp.” 

Medicare Advantage Hearing Benefits

Find Medicare Advantage Plan

Medicare Advantage Plans may provide hearing benefits. For example, Aetna Medicare Plans cover an annual routine hearing exam and hearing aid fitting. Senior Healthcare Direct can help you find a Medicare Advantage plan with hearing benefits. Call 1-855-368-4717 or find your MA Plan.

Read the article Does Medicare cover hearing aids and discover how much an MA Plan could save you.

Medicare Advantage Transportation Benefits

Medicare Advantage Transportation Benefits driver helps senior woman out of car

Medicare Advantage Plans may provide transportation to your health care provider. For example, the Aetna Access2Care service gets you there and back. Aetna’s transportation benefit provides non-emergency transport, 24 one-way trips up to 60 miles per trip at no extra cost.

Furthermore, some MA plans may cover trips to your fitness center. Moreover, your Lyft or Uber trips to health care providers may also be covered. 

MA Vision Benefits

Original Medicare does cover diabetes eye care or glaucoma. However, MA plans may cover vision benefits, such as the cost of eyeglasses. For example, UnitedHealthcare MA plans offer vision benefits that may include:

  • Corrective glasses lenses
  • Frames
  • Contact lenses

Call Senior Healthcare Direct at 1-855-368-4717 to shop Medicare Advantage Plans.

Senior man eye exam for new glasses
Some MA Plans cover the cost of corrective eyeglasses

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Medicare Advantage Open Enrollment 2021

Change Your Medicare Advantage Plan

Medicare Advantage Open Enrollment is between January 1 and March 31, 2021. During this period, you can make the following changes:

  • Switch to a different Medicare Advantage Plan with or without drug coverage
  • Disenroll from Medicare Advantage and return to Original Medicare and join a Part D drug plan

Estimated reading time: 3 minutes

Senior Healthcare Direct can help you find the right Medicare Advantage Plan. We can help you find a plan that includes your doctors and medications. For example, you can change your Medicare Advantage Plan and keep your doctors. 

Medicare Advantage Open Enrollment 2021 - Find Medicare Advantage Plan

Senior Healthcare Direct can help you find the right Part D Drug Plan. We can help you find a drug plan that covers your specific list of prescriptions. Furthermore, you can compare a list of available drug plans and choose the most cost-effective Part D plan. 

If it’s after March 31, 2021, you may be able to make Medicare plan changes by qualifying for a Special Election Period.

Medicare Advantage Plan Changes

During the Medicare Advantage Open Enrollment 2021 Period, you must be in a Medicare Advantage Plan to make a change. If you currently have Original Medicare, you cannot change to a Medicare Advantage Plan during this period. Furthermore, you cannot join a Medicare Part D Plan.

However, if you have a Medicare Advantage Plan, you can return to Original Medicare. Then you will have the option of joining a Medicare Part D Plan. Moreover, you will only have the option of changing your Medicare Advantage Plan until March 31, 2021. (Medicare.gov)

Medicare Advantage Open Enrollment 2021 - Senior couple overweight walking in woods

Find the Right Medicare Advantage Plan

The right Medicare Advantage Plan provides you with the following benefits:

  • Costs less
  • Covers your drugs
  • Allows you to go to the providers you want, such as your doctors and pharmacy
  • Offers exclusive benefits that Original Medicare does not cover, like dental, fitness program, hearing, transportation, and vision.

Senior Healthcare Direct can help you find the right Medicare Advantage Plan. Click the button below.

Happy Senior Couple
4 parts of medicare

Medicare Parts coverage and cost in 2021

What do Medicare Parts cover and cost in 2021?

There are 4 parts of Medicare: Part A, Part B, Part C, and Part D.

  • Part A covers inpatient hospital services.
  • Part B covers outpatient medical services.
  • Part C is Medicare Advantage plan offered by private companies approved by Medicare.
  • Part D provides prescription drug coverage to lower the cost you pay for medications.

Estimated reading time: 9 minutes

Before you receive inpatient hospital benefits, you must first pay Part A deductible of $1484 in 2021. However, you can avoid paying this cost by having a Medicare Supplement plan.

Embed or download 4 Parts of Medicare infographic

What does Medicare Part A cover and cost in 2021?

According to Medicare.gov, Part A covers the following:

  • Inpatient hospital care
  • Skilled Nursing Facility care
  • Long-term Care Hospitals
Medicare Part A - Hospital

Inpatient Hospitals Coverage and Cost in 2021

The first 60 days of inpatient care is covered by Medicare Part A. In other words, you pay $0 coinsurance for each 60 day benefit period. For example, you can be a hospital inpatient multiple times per year and each hospital stay will cost you nothing so long as each stay is 60 days or less. However, hospital stays between 61 days and 90 days will cost you $371 coinsurance per day in 2021.

Skilled Nursing Facility

Skilled Nursing Facility Coverage and Cost in 2021

Medicare Part A also covers 20 days of care in a Skilled Nursing Facility (SNF). Specifically, you pay $0 coinsurance for each 20 day benefit period. Some of the benefits of SNF include physical therapy, meals, and dietary counseling. Therefore, you can get short-term skilled nursing care multiple times per year for no cost so long as each stay is 20 days or less. However, SNF stays between 21 days and 100 days will cost you $185.50 per day in 2021.

Long-term Care Hospital Coverage and Cost in 2021

Medicare Part A covers the first 60 days in a Long-term Care Hospital (LTCH). In particular, the cost of LTCH is $0 for each 60 day benefit period under the following conditions.

  • You are transferred to a LTCH directly from an acute care hospital.
  • You are admitted to a LTCH within 60 days of being discharged from a hospital.

If the above conditions do not apply, then you must pay Part A $1484 deductible in 2021 before Medicare will pay anything. Furthermore, LTCH stays from 61 days to 90 days will cost you $371 coinsurance per day in 2021.

Medicare Part A - Long-Term Hospital Care

What does Medicare Part B cover and Cost in 2021?

Medicare Part B covers the following services:

  • Medical outpatient services for stays at any hospital or medical facility for less than 24 hours. For example, a stay that occurs overnight but for less than 24 hours is outpatient service.
  • Preventive services to prevent illness such as seasonal flu-shot and annual wellness visits.
first aid kit

Medicare Outpatient Coverage and Cost in 2021

Original Medicare covers 80% of medically necessary services and supplies. These Part B medical services include:

Before Medicare pays for these medical services and supplies, you must first pay Part B deductible of $203 in 2021. Furthermore, you are responsible to pay the 20% that Medicare does not cover. However, Medicare Supplement Plan C and Plan F pay Part B deductible and your 20% coinsurance.

Medicare Preventive Coverage and Cost

Medicare preventive services cover screening tests that help detect health conditions at early stages when treatment is most effective. In the tables below, we list 31 preventive tests covered by Medicare Part B. 

Medicare Part B preventive screening table 1
Click to view larger table size
Medicare Part B preventive screening table 2
Click to view larger table size

In the above tables, 71% of these screening tests are free after you pay the $203 Part B deductible. Furthermore, 19% of tests require payment of Part B deductible and 20% coinsurance. Finally, 10% of tests you pay absolutely nothing: neither Part B deductible nor 20% coinsurance. These preventive screening tests are completely FREE:

  • Nutrition Therapy Service – you pay nothing if you have diabetes or kidney disease.
  • “Welcome to Medicare” preventive visit – you pay nothing as long as the doctor does not perform additional tests or services.
  • Yearly Wellness Visit – is free every 12 months as long as the doctor does not perform additional tests or services.

To receive Part B coverage you need to pay a monthly premium. In 2021, the standard premium for Part B is $148.50.

What does Medicare Part C cover and cost in 2021?

Part C Medicare Advantage network
MA plans have a network of doctors, hospitals, and other medical services.

Medicare Part C is an alternative to Original Medicare and covers Part A (Hospital Insurance) and Part B (Medical Insurance). Part C is also known as Medicare Advantage (MA) Plan.

Medicare Advantage (MA) Coverage

MA plans often include Medicare Part D prescription drug coverage. Moreover, many MA plans include extra benefits not covered by Original Medicare. For example, MA plans may include dental, vision, and hearing. Some MA plans even include gym memberships such as Silver Sneakers! MA plans are offered through a network of healthcare providers HMO or PPO.

Medicare Advantage (MA) Costs

To enroll in Medicare Advantage Plan (Part C) you must first be enrolled in Part A and Part B. Most Seniors pay no premium for Part A. However, you will have to pay Part B monthly premiums. In 2021, the standard premium for Part B is $148.50. Furthermore, you will need to pay a monthly Part C premium. According to The Kaiser Family Foundation, the average Medicare Advantage Plan premium is $36 in 2020.

When you add standard Part B and average MA premiums, the total monthly cost is $180.66 in 2020. Conversely, Original Medicare Part B and Part D premiums may only cost $177.34 in 2020. However, you may be thrilled to get a gym membership for only a few extra dollars per month!

You can choose a lower premium MA plan. As a result, you may be excited to pay less every month. However, these MA plans will have higher deductibles, copays, and larger out-of-pocket limits. Consequently, the cost to use your health insurance will be much higher. You can avoid these excessive costs by choosing an MA premium of $40 or more.

What does Medicare Part D cover and cost in 2020?

 Part D drug plan
Part D drug plans save you money

Part D saves you money on prescription drugs. Specifically, it reduces your cost for brand-name and generic drugs. For example, rather than paying the full retail price for medications, you only pay small copayments with Part D. To join a Part D drug plan, you must be enrollment in certain parts of Medicare.

How to Join a Drug Plan

You must have either Part A or Part B to join a stand-alone Part D drug plan with Original Medicare. However, you must have both Part A and Part B to join a Medicare Advantage plan.

Part D Costs for Original Medicare and MA Plans

To enroll in Part D with Original Medicare you need to have either Part A or Part B. However, most people have both Part A and Part B coverage. Since private health insurance companies such as Aetna, Mutual of Omaha, and AARP provide drug coverage, the price you pay will vary.

Part D drug costs in 2021 

All Part D drug plans have a monthly Part D premium. This amount will depend on the income reported on your 2019 tax return. Some Part D plans have an annual deductible which can not be more than $445 in 2021. However, other drug plans may have little or no deductible. 

After the out-of-pocket deductible, you pay either a copay or coinsurance for each prescription drug. For example, you pay less for drugs in tier 1 and more for drug in tier 2. Discover the differences in Medicare Part D tier costs. Furthermore, after you and your drug plan spend a certain amount, you enter a coverage gap called the donut hole.

Donut Hole Costs in 2021

In 2021, you will enter the donut hole and pay 25% coinsurance for both brand-name and generic drugs when your drug plan spends $4,130. After total out-of-pocket drug costs are $6,550 in 2021, you exit the donut hole. Learn more about the 4 stages of drug coverage and costs in 2021.

Want More Help with Medicare Parts?

You can speak with a licensed agent at 1-855-368-4717 and get more help with the 4 parts of Medicare: A, B, C, and D. Our team is very experienced at explaining Medicare parts and how they work. 

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Senior considers HMO vs PPO

HMO vs PPO: Which is better for you?

HMO vs PPO: Which Plan is Right for You?

Senior considers HMO vs PPO

This article compares HMO vs PPO to help you determine which Medicare Advantage Plan is right for you. Differences between Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) include referrals, coverage, cost, and network size.

Differences between HMO and PPO

HMO vs PPO Chart

The chart above shows you the benefit and cost differences between HMO vs PPO. The green values are positive, and the red values are negative. For example, HMO plans have lower deductible and premium costs (green). However, PPO plans have a higher deductible and premium costs (red). The first significant difference between HMO and PPO is referrals.

Referral difference

A PPO (Preferred Provider Organization) plan does not require referrals. However, HMO (Health Maintenance Organization) often require referrals. For example, HMO plans require referrals from your primary care physician (PCP) to see a specialist or have a special test done.

However, Medicare.gov says certain services such as annual mammogram screenings do not require a referral.

Coverage differences

A second important difference between PPO and HMO is coverage. With a PPO you can see a doctor outside your network, but it may cost you more. However, an HMO does not provide coverage outside your network.

Thus, you pay all health care costs for out-of-network services with an HMO unless you have an HMO-POS (Point of Service) plan. Moreover, you can get out-of-network HMO coverage for emergency or urgent care.

Cost differences

PPO plans have better coverage and cost more than HMO plans. Some HMO plans may have $0 premium, and HMO-POS plans have a separate deductible. Thus, you pay one deductible for in-network and second deductibles for out-of-network with an HMO-POS plan.

Furthermore, Medicare.gov states an HMO-POS plan will “allow you to get some services out-of-network for a higher copayment or coinsurance.” Senior Healthcare Direct can help you find the most cost-effective HMO and PPO plans. Find plans that include your doctors and medications with our Medicare Advantage Plan Finder.

Find Medicare Advantage Plan
Find HMO and PPO Advantage Plans

Network size 

HMOs have the smallest network of doctors and hospitals. Thus, your choice of medical providers and facilities are more limited with an HMO. On the other hand, PPO plans have larger networks than HMO. 

For example, an HMO network may include a county or part of a county, whereas a PPO network may serve a state or multi-state area. 

Network Size HMO vs PPO
Medicare Underwriting - Advantage vs. Supplement - Happy Seniors

Medicare Advantage vs Medicare Supplement

Compare Advantage Vs Medicare Supplement

The Medicare 2021 chart below compares Medicare Advantage vs Medicare Supplement. This chart shows positive (green), negative (red), and equal value (black). Medicare Supplement works with Original Medicare, so it provides you with nationwide coverage and access to any doctor and hospital without referrals.

However, Medicare Advantage provides you with local (HMO) or regional (PPO) coverage for doctors and hospitals in-network. For example, doctors outside an HMO network are not covered and require referrals. Furthermore, doctors outside of a PPO network are allowed but will cost you more. The 2021 chart below shows you several differences between Medicare Advantage vs Medicare Supplement.

Medicare Advantage vs Medicare Supplement - happy seniors
Medicare 2021 Chart - Advantage vs Supplement infographic
Embed and download Medicare Advantage vs Medicare Supplement Infographic

MedicareBob Video

In this MedicareBob video, Robert Bache “talks about the most important decision” people new to Medicare will make. Should you choose a Medicare Advantage or Medicare Supplement? Watch this video to help determine the right Medicare plan for you. 

Medicare Advantage vs Supplement Cost Differences

Part B Premium

Medicare Advantage and Medicare Supplement require you to have Medicare Part B. There is no Medigap Plan that pays your Medicare Part B premium. However, some Medicare Advantage Plans pay all or part of your Part B premium.

Copays and Coinsurance

Medicare Advantage charges you copays for each doctor visit or medical service. However, Advantage Plans do not charge you coinsurance.

Medicare Supplement Plans have no copays, except plans K (50%), L (75%), and N. You are charged copays for diagnostic tests, hospital outpatient, and ER visits. For Plan N, you pay up to $50 for outpatient emergency room visits and up to $20 for outpatient doctor visits.

Furthermore, Supplement Plans K and L only pay 50% and 75% respectively for Part B, Part A Hospice, and Skilled Nursing Facility coinsurance. In other words, you pay the remaining balance. For example, Medigap Plan K will cover 50% of your outpatient medicare service.

Advantage vs Supplement Plan Premiums

Medicare Advantage Plan premiums will vary based on coverage and the insurance carrier. However, CMS.gov reports, “historically low premiums in Medicare Advantage.” Furthermore, you have more than 1,600 prescription drug plans from which to choose. We can help you find the right Medicare Advantage Plan with our Advantage Plan Finder.

Medicare Supplements pay Part A and Part B coinsurance. For example, Medigap Plan G covers 100% of your hospital and medical services after you pay a $198 Part B deductible. Plan G is the most comprehensive coverage available for people new to Medicare in 2020. You can shop Medigap Plans by calling Senior Healthcare Direct at 1-855-368-4717 or get your quote.

Medical Underwriting – Advantage vs Supplement

Medicare Underwriting - Advantage vs. Supplement - Happy Seniors
Happy seniors avoid medical underwriting.

Starting in 2021, Medicare Advantage Plans accept all health conditions, including End-Stage Renal Disease (ESRD). Likewise, you can enroll in Medicare Supplement Plan without medical underwriting during your initial Open Enrollment Period (OEP). In other words, there is no medical underwriting when you are first eligible for Medicare, which includes:

  • Three months before you turn 65
  • The month you turn 65
  • Three months after you turn 65

However, anytime after your initial Open Enrollment Period, medical underwriting is required. For example, you switch to a different Medigap Plan after your initial OEP. Discover some of the most common underwriting questions and find out whether or not you can qualify.

Prescription Drugs – Advantage vs Supplement

Medicare Advantage Plans such as HMO and PPO most often include prescription drug coverage. However, Advantage Plans are not required to cover prescription drugs. If your HMO or PPO does not provide drug coverage and you enroll in a separate Medicare Prescription Drug Plan, you will be disenrolled from your Medicare Advantage Plan.

Medicare Supplement Plans fills in the coinsurance and deductible coverage gaps of Original Medicare, which does not cover prescription drugs. To get drug coverage, you need to enroll in a separate Part D drug plan. Senior Healthcare Direct can help you find the right drug plan that includes all your prescriptions.

Max Out-of-Pocket Limits – Advantage vs Supplement

Forbes reports Medicare Advantage maximum out-of-pocket (MOOP) limits will increase to $7,550 in 2021. In other words, your max out-of-pocket cost will be $850 more for in-network services in 2021. Once you reach this MOOP limit, your Medicare Advantage plan will cover all costs until the end of the year.

All Medicare Supplement Plans cover most or all of your out-of-pocket costs except plans K and L. Thus, CMS.gov put the following out-of-pocket 2021 limits on plans K and L.

  • $6,220 for Plan K ($740 increase from 2020)
  • $3,110 for Plan L ($170 increase from 2020)

Medicare Coverage Options

In this FAQ video, Robert Bache explains your Medicare coverage options. Watch the video and discover the two Medicare options you can choose during your annual open enrollment.

Medicare Open Enrollment

Medicare Open Enrollment also called the Annual Election Period, occurs from October 15 through December 7. According to CMS, this is a period when “all people with Medicare can change their Medicare health plans and prescription drug coverage for the following year.” Why change your Medicare plan?

3 Reasons to Change your Medicare Plan

Medicare Coverage Options

You may want to change your Medicare plan for the following reasons:

  1. The Medicare Plan is changing – coverage, costs, or service.
  2. You have health issues and want better coverage.
  3. You want a better plan now because you can medically qualify for it.

Do you know you must pass medical underwriting whenever you switch your Medicare Supplement Plan? Furthermore, a Supplement insurance company can deny coverage change. So if you want to upgrade from Original Medicare or Medicare Advantage Plan to a Supplement Plan, you may not medically qualify. 

When to change your Medicare Plan?

The best time to change your Medicare plan is when you are healthy enough to pass medical underwriting. Even if you do not need better coverage now, it makes sense to upgrade your Medicare Plan early, so insurance carriers will not deny you later. When can I change my Medicare Advantage plan?

When can I switch from Medicare Advantage to Medigap?

You can switch from Medicare Advantage to Medicare Supplement Plan once per year. Only during the Annual Election Period, you can disenroll from Medicare Advantage Plan and enroll in a Medigap Plan. Discover when you can change your Medicare Advantage plan.

When can I switch my Medicare Supplement Plan?

You can switch to a different supplement insurance company to save money anytime throughout the year. For example, you can switch to a different lettered supplement plan during the same Annual Election Period. Learn the fact about buying a Medicare Supplement Plan.

Your Medicare Coverage Options 

The licensed agents at Senior Healthcare Direct are happy to help you choose the Medicare Plan that best suits your needs. Our agents can compare plan prices with many carriers, so you get the best price. Moreover, our agents can suggest insurance providers who accept your health conditions, so your application gets approved. Call us at 1-855-368-4717 or get your quote

Is Medicare Supplement or Advantage better?

Which Medicare Plan is better for you?

Is Medicare Supplement or Advantage better?

Depending on your situation, Medicare Supplement or Advantage maybe better for you. First, we look at benefits of Medicare Advantage plans and whether this maybe right for you. Then we look at Medicare Supplement plans and who best benefits for them. After reviewing Medicare Advantage and Supplements Plans, you will have a good idea which is best for you.

Medicare Advantage Plans

Many relatively healthy seniors prefer Medicare Advantage plans for three main reasons:

  • Low monthly premium and covers prescription drugs
  • HMO costs less and covers only in-network doctors and hospitals
  • PPO costs more and covers both in-network and out-of-network 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 you?

Medicare Advantage Plans are more affordable, costing you less in premiums and deductibles if you do not get sick or need hospital or medical services. However, when you do become ill and require a hospital or doctor’s services, you could have expense up to your maximum out-of-pocket limit of $6,700, depending on your plan. For example, with Medicare Advantage Plans, you will have copays whenever you use your plan. A Medicare Advantage Plan may be a good fit for you if you are willing to pay less every month at the risk of paying more when you need health coverage.

PPO vs HMO what are the benefits and costs differences? View our PPO vs HMO infographic.

Enroll or Change Medicare Advantage Plan

You can enroll or change Medicare Advantage Plan during Medicare Open Enrollment. This Annual Election Period is from October 15 through December 7. Furthermore, you can also join or disenroll during Medicare Advantage Open Enrollment between January 1 and March 31.

Senior Healthcare Direct can help you find the right Medicare Advantage Plan. We can help you find an Advantage Plan that includes your doctors and medications. Discover how to enroll or change your Advantage Plan and get the most cost-effective price.

Medicare Supplement Plans

Many seniors with underlying health conditions or otherwise need regular medical service prefer Medicare Supplement Plans for three reasons:

  • Fixed monthly premiums makes your expenses more predictable
  • A nationwide network of doctors and hospitals gives you more flexibility
  • Does not cover prescription drugs (separate Part D plan required)
  • Plans may cover all hospital and medical expenses without copays or coinsurance

Is a Medicare Supplement Plan right for you?

Many seniors who use their health insurance prefer Medigap Plans. When you add up the cost of hospital deductibles $1408 in 2020, which all Medicare Supplement Plans pay, a Medigap Plan could save you thousands over an Advantage Plan. For seniors who have known health conditions, Medigap Plans allows you to budget your healthcare expenses and make the costs more affordable.

For seniors who are fortunate to have both health of money, you may want to pay for a Medicare Supplement so you can avoid medical underwriting should you become ill and want to upgrade your coverage later.

Best Medigap Plan for 2021

In a MedicarBob video, Robert Bache gives his recommendation for the best Medicare Supplement Plan for 2021. Discover a Medigap Plan that saves you on monthly premiums and is a better value than Plan F. Furthermore, learn how the Best Medigap Plans compare and which plan is best for you.

Helping You Choose a Medicare Plan

Senior Healthcare Direct can help you choose a Medicare Plan. You can speak with a licensed agent to discuss which Plan is best for you. Call us toll-free at 1-855-368-4717 or get a quote.