Claire Akey

Once you are on Medicare, you can choose between two kinds of  insurance:

Medicare Advantage (Part C)

A single plan that includes help with hospital costs, doctor’s visits, medical services and prescription drug coverage (Part D); and additional benefits like vision, hearing and often dental.

Advantages:

  • Low or no premium
  • Includes prescription drug coverage (Part D)
  • Special needs plans available for diabetic conditions, cardiovascular disorders, low income situations
  • Additional benefits available (hearing, vision, dental)

Disadvantages:

  • May be limited to practitioners in the network
  • Limited geographically (except for emergency room and urgent care)

Medicare Supplement Insurance

Private insurance coverage that helps to fill the gaps in original Medicare (Parts A & B).

Advantages:

  • A variety of options, including deductibles, premiums and coverages
  • Can choose any doctor who takes Medicare (most do) – no network restrictions
  • No geographical restrictions

Disadvantages:

  • Typically higher premiums

As you can see, each kind of insurance has its advantages and disadvantages, and there are lots of choices within each. I can help you determine which option is right for you. CONTACT ME for a no-cost, no-pressure, in-person discussion about your individual situation.