Medicare Supplement Insurance

Original Medicare or Medicare Advantage?

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Original Medicare or Medicare Advantage?

With Original Medicare, you have the freedom to choose your doctors; with Medicare Advantage you may have network restrictions based on the HMO/PPO network each plan has in place. Following are some highlights of the differences in benefits with Parts A & B-- Original Medicare and Part C--Medicare Advantage:

Key Differences:

Parts A & B - Original Medicare

(With Medicare Supplement Insurance)

Part C - Medicare Advantage

(Private Insurance Company Plans)

Choose Original Medicare

OR

Disenroll from Original Medicare

Freedom to choose Hospitals/Drs.- who accept Medicare

Works like an HMO/PPO

No referrals for specialists

Works like an HMO/PPO

Access to Centers of Excellence

Works like an HMO/PPO

Ability to travel, see any U.S. Medicare provider

Works like an HMO/PPO

There are many more issues to discuss such as timing requirements, the ability to change plans, benefits, how plans can be cancelled and your options.
 

We deal with these details every day and are prepared to help you understand what matters to you without going into every last detail. Give us a call and let our Medicare Supplement professionals help you make the best decision.

Still not certain? Take the Quiz

Original Medicare with Medicare Supplement

Medicare Advantage

  • Original Medicare and Medicare Supplement Insurance allow you the freedom to go to any doctor or hospital in the country that accepts Medicare. 

    Medicare Advantage Plans are more restrictive when it comes to doctor and hospital choice. For example, Health Maintenance Organization (HMO) Medicare Advantage Plans usually only allow you to go to the doctors and hospitals in their network, while Preferred Provider Organization (PPO) Medicare Advantage Plans typically allow you to go to doctors and hospitals outside their network – but you usually have to pay more.
  • Original Medicare and Medicare Supplement Insurance usually allow you the freedom to go directly to a specialist without a referral. 

    Preferred Provider Organization (PPO) and Private-Fee-for-Service (PFFS) Medicare Advantage Plans also allow you the freedom to go directly to a specialist without a referral. 

    Health Maintenance Organization (HMO) Medicare Advantage Plans, however, usually only allow you to see a specialist if your primary care doctor approves the visit first.
  • Once you choose a Medicare Supplement Plan, your benefits typically will not change from year to year – making it easier to plan ahead for your health care needs. 

    Medicare Advantage plans often change their benefits from year to year and may even decide to no longer offer their plan in your service area – requiring you to reevaluate your coverage annually.
  • Original Medicare - Depending on which Medicare supplement plan you choose, your plan may cover most medical expenses in full, allowing you to limit your out-of-pocket costs to the amount of your premium payments and making it easy to budget without worrying about unexpected medical bills. 

    While Medicare Advantage Plans may have lower premiums, you will also be responsible for copayments, coinsurance, and deductibles – which could potentially lead to thousands of dollars in out-of-pocket expenses, making it difficult to budget for your medical costs from year to year.
  • Original Medicare and Medicare Supplement Insurance will allow you the freedom to go to any doctor or hospital in the country that accepts Medicare. 

    Preferred Provider Organization (PPO) Medicare Advantage Plans typically allow you to go to doctors and hospitals outside their network, but you usually have to pay more. 

    Health Maintenance Organization (HMO) Medicare Advantage Plans usually only allow you to go to the doctors and hospitals in their network. 

    Private-Fee-for-Service (PFFS) Medicare Advantage Plans let you choose any doctor or hospital, but they need to agree to accept the plan’s payment.
Tina McGary
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