Medicare Advantage Plans & Supplemental Plans (Medigap)

Medicare Advantage Plans (Part C)

Advantage Plans are NOT part of Original Medicare. Part C known as Medicare Advantage (MA) are alternative plans that are privately run and comply with original Medicare benefits but have ancillary benefits including Vision, Dental, Hearing and some offer wellness components (i.e. Fitness facility Memberships) which original Medicare does not include at this time except under specific circumstances. Medicare Advantage plans also can include a prescription drug component instead of having to get a separate Part D plan (MAPD). These plans may have premiums, deductibles and cost sharing as part of the plan. Many major carriers offer Advantage plans for those who are enrolled in original Medicare parts A and B. Premiums, Deductibles and Cost sharing vary.

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Jeffrey Weiss, Licensed Insurance Agent

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Medicare Supplement Plans (Medigap)

A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn't cover, like:

  • Copayments
  • Coinsurance
  • Deductibles

Medigap policies are sold by private companies.

Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here's what happens:

  • Medicare will pay its share of the Medicare-approved amount for covered health care costs.
  • Then, your Medigap policy pays its share.

Medicare.gov. (N.D). What's Medicare Supplement Insurance (Medigap)?. Source https://www.medicare.gov/supplements-other-insurance/whats-medicare-supplement-insurance-medigap

Part D - Prescription Drugs

Medicare prescription drug plans are available to everyone with Medicare. To get Medicare prescription drug coverage, people must join a plan approved by Medicare that offers Medicare drug coverage. Most people pay a monthly premium for Part D.

Medicare Program - General Information(11/13/2019). Source: https://www.cms.gov/Medicare/Medicare-General-Information/MedicareGenInfo/index

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Dual Special Needs Plan (DSNP)

These plans offer eligible doctor visits, hospital visits and prescription drug assistance if you are enrolled in Medicare having parts A and B as well as enrollment in Medicaid.  To find out if you qualify for this Medicare Health plan please reach out.

Poor Man Begging For Help On The Street representing medical plans for those who qualify for Medicare and Medicaid

Chronic Special Needs Plan

Chronic special needs plans are Medicare plans designed around certain illness such as Diabetes, Cancer and others which offer all coverage that Medicare provides which focus on the one or several chronic illness that you have. To find out if you qualify for this Medicare Health plan please reach out.

Close up of doctor hand reassuring her female patient at hospital. Closeup hands of medical doctor carefully holding patient's hands. Kind doctor giving real support for patient symbolizing care for those with chronic health conditions