Compare Options

Not sure what Medicare insurance you would need and would like to compare options? 

Our licensed Medicare insurance agents can help you do that while educating you on what is available in your area.

However, here is a quick rundown of Original Medicare and different insurance options.

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Compare options with Original Medicare

Why would you need a Medicare insurance plan instead of sticking with Original Medicare? 

If you choose to go with just Medicare Part A and Part B you will have: 

  • No out-of-pocket maximum
  • 20% coinsurance
  • No prescription drug coverage
  • A lack of dental, vision, and hearing coverage

You can plug any or all of these gaps with Medicare insurance plans.

What Medicare Advantage can help with

First, Medicare Advantage protects you with an out-of-pocket maximum. After you hit this limit, your Medicare Advantage plan pays 100% of any other eligible expenses you receive.

It also provides additional benefits like: 

  • Adult day-care services
  • Dental
  • Fitness memberships
  • Hearing
  • Nutrition programs
  • Prescription drugs
  • Over-the-counter drugs
  • Services and supports for those with chronic conditions
  • Transportation to doctor visits
  • Vision
  • Wellness programs

However, benefits your plan offers will vary based on your location.

What makes Medicare Supplements a good addition

Medicare Supplements take care of the cost-sharing associated with your healthcare:

  • Medicare Part A and B coinsurance/copayments
  • First three pints of a blood transfusion
  • Part A hospice care coinsurance/copayments
  • Skilled nursing facility coinsurance
  • Medicare Part A and B deductibles*
  • Part B excess charges (if applicable in your area)
  • Foreign travel emergency (up to plan limits)

*Those who turn 65 after January 1, 2020 are not eligible for plans that offer this benefit due to the Medicare Access and CHIP Reauthorization Act of 2015.

Most Medicare beneficiaries need Medicare Part D

Original Medicare does not offer any coverage for prescription medications, so Part D is a must for most Medicare beneficiaries.

Every plan will include both brand-name prescription drugs and generic drug coverage.

Additionally, every plan will include at least two drugs in the most commonly prescribed categories and classes. All Part D plans must cover at least two drugs per drug category.