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Medicare Supplements
Medicare Supplments
Medicare Part A, B, and more
The transition to Medicare can be confusing. So let’s start by laying it out.
Medicare Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services, while Medicare Part B covers outpatient services such as doctor’s visits, preventive care, medical equipment, and outpatient procedures. Part A is often premium-free for most beneficiaries, while Part B typically requires a monthly premium based on income. Together, Parts A and B provide comprehensive coverage for a wide range of medical services, ensuring that Medicare beneficiaries have access to essential healthcare when needed.
Medicare Advantage plans, also known as Part C, are comprehensive health insurance plans offered by private insurance companies approved by Medicare. These plans provide all the benefits of Original Medicare (Parts A and B) and often include additional benefits such as prescription drug coverage, vision, dental, and wellness programs. On the other hand, Medicare Supplement plans, or Medigap, are designed to fill the “gaps” in Original Medicare coverage, such as deductibles, copayments, and coinsurance. Unlike Medicare Advantage plans, Medigap plans work alongside Original Medicare and do not typically include additional benefits beyond what Original Medicare covers. Beneficiaries must choose between the two types of plans as they cannot have both at the same time.
Give us a call so we can help you decide which is best for you!
