Medicare Insurance Coverage Options

ORIGINAL MEDICARE

MEDICARE SUPPLEMENT PLANS

MEDICARE SUPPLEMENT PLANS

Includes Part A and Part B
You can visit any provider in the U.S. that accepts Medicare.
You may pay deductibles, coinsurance
Must purchase Part D separately
Best for people who want broad provider access and flexibility.
No limit to how much members may have to spend.

MEDICARE SUPPLEMENT PLANS

MEDICARE SUPPLEMENT PLANS

MEDICARE SUPPLEMENT PLANS

Offered by private companies
Referred to as "Medigap"
Have a monthly premium
These plans are secondary to Original Medicare
Must continue to pay Part B premium
Plan may cover all or part of the 20% original Medicare doesn’t cover
Must purchase Part D separately
Can be used all over the US with NO referrals wherever Medicare is accepted

MEDICARE ADVANTAGE PLANS

MEDICARE SUPPLEMENT PLANS

MEDICARE ADVANTAGE PLANS

Offered by private companies
Also known as Part C
Part C combines Medicare Part A, B and D (Prescription Drugs) in one plan
Offer additional benefits at no additional cost such as dental, vision, gym, hearing etc.
In Florida, many Medicare Advantage Plans are ZERO premium plans
They can choose PPO or HMO plans and have in-network and out of network benefits
Many have low or zero copays on many medical benefits