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How can I find the right Medicare Advantage plan for my health needs?

Medicare Advantage plans can have different monthly premiums, doctor networks, prescription drug coverage, and extra benefits can vary by plan as well. We recommend using our online tools or speaking with a licensed insurance agent to compare options available in your area and to help you find a health plan which best meets your needs. When comparing options, many people ask whether their favorite doctor accepts a particular plan or whether their prescription drugs are covered.

What is the difference between Medicare Advantage plans and Medicare Supplement Insurance plans?

The main difference between Medicare Advantage plans and Medicare Supplement insurance plans is that Medicare Advantage plans replace and bundle Original Medicare into one plan, while Medicare Supplement insurance plans are added on top of Original Medicare to provide additional coverage. Medicare Advantage plans can also include additional benefits such as dental, vision, hearing, and prescription drug coverage. Medicare Supplement insurance plans do not typically cover prescription drugs, dental, vision, or other benefits.

You are not allowed to be enrolled in both a Medicare Advantage plan and Medicare Supplement insurance plan at the same time.

What are the advantages and disadvantages of Medicare Advantage plans?

Advantages

• Bundle Part A, Part B, and usually Part D into one plan
• Can include extra benefits such as prescription drugs, dental, vision, and hearing coverage
• Offered by private health insurance companies approved by the government
• Plans can start from as low as $0 premium per month in addition to your Part B premium
• Medicare Advantage plans typically place a ceiling limit on your out-of-pocket costs

Disadvantages

• Medicare Advantage plans may have narrower doctor networks. Not all doctors may accept a particular plan

What are the pros and cons of Medicare Supplement insurance plans?

Pros

• Provide supplemental coverage by covering costs not covered by Original Medicare
• All providers who accept Original Medicare also accept Medicare Supplement
• There are many different Supplement plan types to choose from

Cons

• Supplement plans do not typically cover other benefits such as prescription, dental, vision, and hearing
• Supplement plans can have higher monthly premiums than Advantage plans