Our Trusted Medigap Carriers

MedicareBob Explaining Medicare Advantage and Medigap

What our customers are saying..

As I was turning 65 years old, I started asking my friends which insurance plan I should choose. Most of them told me to choose a Plan F, so I did. A year later, one of my girlfriends from church told me to call “MedicareBob” and ask about the Plan G. I laughed , but did as she asked. I called and spoke to Robert, and I found out that the Plan G offers the same coverage as the Plan F except for one difference. The Plan G required me to pay the Part B deductible. Robert showed me that I could save $600.00 a year with the Plan G.Thank you MedicareBob! - Linda C., Happy Medicare Supplement Client since 2013 I had Blue Cross Blue Shield for over 30 years while I was working, so when I turned 65, I just called them. I was happy with the coverage that the Medicare Supplement Plan F with Blue Cross offered, but the monthly payment was just getting to be too high. Senior Healthcare Direct helped me understand that I was paying Blue Cross Blue Shield too much money for my Plan F. I now have the same Plan F with Aetna and I am saving $1200 per year. I am 70 years old, that savings really helps. - Ronald B.,Medicare Supplement Client since 2012

Medicare 2020 Advantage vs Supplement

New To Medicare

Learning your Medicare options does not have to be as challenging as some people make it. Senior Healthcare Direct, MedicareBob’s office has licensed Agents that are Appointed and Certified with all of the top rated Medicare Supplement, Advantage and Part D Carriers. Consider Senior Healthcare Direct a “one stop shop” for you to understand your Medicare options and to get the best value for the Plan that is right for you.

MAPD vs Medigap

MEDICARE SUPPLEMENT (MEDIGAP)

Medicare Supplement Insurance, also referred to as “Medigap Plans”, is the most comprehensive coverage one can choose to work with their Medicare. You will keep Medicare A and B as your Primary Insurance and the Medicare Supplement Insurance will pay the copays, deductibles and co-insurance that Medicare does not pay.

***With all Medigap Plans you will be allowed to keep your Doctor. In fact, you will have nationwide coverage and you can see any Provider that accepts Medicare.

Each Medigap Plan is identified by a letter: (Plan F, Plan G, Plan N). The letter of the Plan determines the coverage, so the benefits with the Plan G with Blue Cross Blue Shield offers the same coverage as a Plan G with Mutual of Omaha.  There are over 30 Medigap Carriers that offer these Medigap Plans, and even though the benefits are the same with every Carrier, what the Carrier charges can be very different. Since Providers accept the Plan G the same and the benefits are the same, there is no reason to overpay for the Medigap Plan you want.

Medicare Plan G Benefits

Medicare Advantage Plans

Medicare Advantage Plans also referred to as “Part C” by Medicare. A Medicare Advantage Plan is not a Supplement Plan, it does not pay the bills that Medicare does not pay. Instead, if you choose a Medicare Advantage Plan you will use that coverage instead of using Original Medicare Part A and Part B.

You may see Medicare Advantage Plans advertised as $0.00 premium Plans, however they are really the same price as Medicare. If you choose a Medicare Advantage Plan you will still be required to pay your Medicare Part B premium.

Medicare Advantage Plans, you will have a Network of Providers. This means that you will have an HMO, PPO or PFFS. (You will have to go to certain Doctors and hospitals.) Advantage Plans also require a Referral to see a Specialist and Prior Authorization for certain tests and treatments.

Some Medicare Advantage Plans have some additional value added benefits that Medicare alone does not have:

  • Dental
  • Vision
  • Hearing
  • Gym Membership (Silver Sneakers)
  • OTC Benefits

***If you choose a Medicare Advantage Plan and later want to upgrade to a Supplement Plan, you will be subjected to Medical Underwriting.