Medicare Advantage and Supplement Plans
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Medicare Advantage & Supplement Plans Explained
Medicare Advantage Plans (Part C):
These are all-in-one plans offered by private insurance companies that combine your Medicare Part A (hospital) and Part B (medical) coverage—and often include extras like:
Prescription drug coverage (Part D)
Dental, vision, and hearing benefits
Fitness programs or over-the-counter allowances
Low or $0 premiums (in some areas)
They usually have networks of doctors (HMO or PPO), and you typically pay copays or coinsurance for services.
Medicare Supplement Plans (Medigap):
These plans work alongside Original Medicare to help pay for out-of-pocket costs like:
Deductibles, coinsurance, and copays
Nationwide provider access (see any doctor that accepts Medicare)
No network restrictions
Medigap plans don’t include drug coverage, they pair well with Part D prescription drug plans.
Why It Matters:
Choosing between Medicare Advantage and Supplement plans depends on your budget, lifestyle, and health needs. We’re here to educate you, so you can feel confident in your choice!