Get Help Signing Up For Medicare Advantage Health Plans

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 may offer additional benefits that 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 are an alternative to Original Medicare and include Original Medicare coverage under one plan, while Medicare Supplement insurance plans are a supplement to Original Medicare coverage to help pay your share of out-of-pocket costs. Medicare Advantage plans can also include additional benefits such as dental, vision, hearing, or 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 additional benefits such as prescription drugs, dental, vision, or hearing coverage
• Offered by private health insurance companies approved by the government
• Plans have low or $0 monthly premiums (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 helping cover your share of out-of-pocket costs for Medicare-covered services not covered by Original Medicare
• All providers who accept Original Medicare also accept Medicare Supplement Insurance
• There are many different Medicare Supplement Insurance plan types to choose from

Cons

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