Know Your Options
Medicare Tips & Tools
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Medicare Advantage plans are offered by private insurance companies to help cover what Medicare doesn't pay under Part A and Part B. In some cases, an Advantage plan can include additional benefits, like prescription drug coverage.
Medicare Advantage vs. Medicare Supplement
Medicare Supplement insurance, called Medigap, is a separate policy designed to pay for certain healthcare expenses not covered by Part A and Part B. It is not to be confused with Medicare Advantage - they are very different insurance plans with distinct benefits.
Choosing between Medigap and a Medicare Advantage plan takes research. Costs and benefits vary.
- Monthly Premium
- Doctor and healthcare facility restrictions
- Overall benefits
- Your anticipated costs based on your personal situation
- Prescription drug coverage and cost as it relates to your medication usage
We can help you sort out these personal circumstances so you can determine which additional coverage best fits your needs.
30-day Free Look Period
You have a 30-day period after the new policy arrives to change your mind. If you find a better plan, you can cancel the first policy for a full refund. This often happens when busy people don’t take the time to wade through all the rules and policies of Medicare enrollment, to find out later from a friend or colleague that they may have made the wrong choices. The best way to avoid changing plans during the free look period is to talk to a Medicare expert before enrolling or changing your plan.