Medicare Advantage vs Medicare Supplements
Medicare Advantage and Medicare Supplements are two distinct options that offer additional coverage alongside original Medicare. Medicare Advantage plans, offered by private insurers, provide comprehensive benefits that may include prescription drugs and additional services. On the other hand, Medicare Supplements, also known as Medigap plans, help cover the gaps in original Medicare, such as deductibles and copayments. Choosing between Medicare Advantage and Supplements depends on individual preferences, budget, and healthcare needs. It’s essential to carefully evaluate the benefits, costs, network of providers, and flexibility of each option to make an informed decision that suits your unique circumstances.
MEDIGAP
ORIGINAL MEDICARE+ MEDIGAP SUPPLEMENT
✔ Higher premiums but no co-pay
✔ Freedom to choose doctors
✔ No referrals necessary
X Some routine services not covered (vision, hearing)
✔ Covered anywhere in US
MEDICARE ADVANTAGE
ⓧ Generally lower premiums but has co-pays
ⓧ May be restricted to network
✔ May need referrals for specialists (vision, hearing, fitness)
ⓧ Emergency services only outside the service area
Contact Us For A No Obligation
Medicare Review
If you’re uncertain about your eligibility, we can help!
Call Lizeth Gallardo at Gallardo Insurance Services