A Preview on Medicare Advantage Plans costs and coverage

Choosing a Medicare Advantage plan implies you have to have sound knowledge and awareness about the cost-sharing details. The plans of MA are not similar to the Original Medicare. In fact, it may include additional rules, so before enrolling, you may consider each plan. To begin with the details:


  • Part B Medicare premium: This generally as per Medicare Advantage plans is expected to be paid as premium. There may be additional premiums also charged in this plan and in some, they may pay for the Part B premium as part payments.
  • Deductibles: The Medicare Advantage plans actually charge for their services a deductible and this includes outpatient, inpatient and prescription drug. The deductibles vary with each plan.
  • Copayments: The plans of MA charge copay for the visits of doctor instead of coinsurance 20% that you usually pay with Traditional Medicare. So, bear in mind that the plans of MA cannot charge you more copays that the Traditional Medicare especially for certain care such as skilled nursing facility, dialysis and chemotherapy care.
  • Out of pocket Maximum limit: The plans in MA include a limit as maximum for out of pocket expenses. It means the amount you pay from your pocket is capped yearly and this safeguards you from spending in excess even if you need more care or services. These limits are high and they cover deductibles and copays. Apart from this, bear in mind that the coverage rules are different with each MA plan.


The Medicare Advantage plans cover services on receiving from hospitals, doctors and pharmacies only when it is as per their plans network. Thus, before enrolling into any of the plans, ensure your providers or doctors are also a part of the network list and they are ready to accept the plans new patients. Remember, hospitals and doctors may at any time leave the plan, but at the same time you cannot do so. You have the option to leave the Medicare Advantage plans only in the enrolment period. This is the right time so that you do not incur a penalty.

Learn more here http://www.medigap2018.org/.

The Medicare Advantage plans mostly offer the same cover of the Original Medicare. They will expect you to pay for few services. For instance, there are plans that require permission from the provider to offer the services or some plans need formal referral if you wish to see a specialist.


Note: Buying a Medigap policy as an MA Plan supplement for cost-sharing cover is not possible as Medigap policies work only in association with Original Medicare.


A Medicare Advantage Plan for The Win

As a senior you probably know, there are options to Original Medicare to choose from and one of those are Medicare Advantage Plans. Nowadays, most seniors prefer to go with an advantage plan over Medicare since they’d have more coverage and extra benefits. In spite of this, you are going to have a difficult time on deciding which insurer or what level of coverage to go with it haven’t done your research. Regardless of whether you are concerned about your medical costs of the future or just the ones you are going through now, learning about advantage plans to replace your Medicare will be a terrific idea.

Who Sponsors Medicare Advantage Plans?

You have got to understand that all insurers in the United States are structured around making money. As a result, they are only agreeing to take on the risk of seniors medical bills because they think that they can make a profit, they are accepting that sort of risk on the basis that they will make much more money than they have got to spend. Ordinarily, the federal government assists in funding the advantage plan, through the premium that is paid by the Medicare recipient, as well as the premium that is paid directly to the company. In these situations, the insurance company will most probably end up generating revenue simply because they’re able to designate deductibles and excess charges to its consumers and also have access to specialists to invest those funds.

Medicare Advantage Plans- Cost

You have probably realized by now that Aetna medicare supplement plans costs a great deal more than any Medicare plan on the market. For instance, there are lots of Medicare Advantage Plans that are literally absolutely free for all seniors have already enrolled into Medicare Part B. Generally, that premium for Part B is going to have to be paid by you. Those co-pays and deductibles will still be there depending on how comprehensive your Medicare plan is. Depending on what sort of added benefit the plan includes, you may have to pay an additional premium. Additional benefits can include the following:

  • Dental coverage
  • Vision care
  • Prescription drug coverage (only in certain plans)

Extra Benefits of Medicare Advantage Plans

With Medicare Advantage Plans you’ve got so many additional benefits to taking advantage of, as mentioned above, additional coverage that you will not find with traditional Medicare. Again, this consists of prescriptions, dental coverage, and vision care. Regardless, in order to utilize some of these benefits, the insurer might require you to get a referral from your primary doctor, plus you are going to have to go with a doctor within their network. As you shop for a Medicare plan you are going to realize that insurance companies are going to charge a much higher premium for those additional benefits, you can save on this through buying a plan with less covered services.

Medicare Advantage plans know about the coverage and extra benefits

Did you know Medicare features coverage in different ways? Thinking of Medicare, people think of Original Medicare, the government program that includes Part A Hospital Insurance and Medical insurance Part B.  However, you may wish to consider other plans of Medicare. For instance, you may be avail the benefits of Part A and B through Medicare Advantage plans that is Medicare approved.


Medicare Advantage plans, refers to the Part C Medicare program that offers alternative ways to avail Part A and B Original Medicare coverage, but for the hospice care.


There are few Medicare Advantage plans that include extra benefits such as prescription drug coverage, for instance, routine dental services or some regular fitness programs. These are additional benefits few examples that the Medicare Advantage plans offer and these are not the benefits coming with the Original Medicare.


The Original Medicare also does not cover the prescription drugs, for instance, Part A and B Medicare does not cover medications taken at home. Fortunately, the Medicare Advantage plans mostly include the coverage of prescription drug and so the Medicare benefits can be availed with just one policy.


If you need a Medicare Advantage Prescription plan, there is an insurance plan offering the coverage for prescription drugs. Bear in mind that each Medicare Advantage plan even for prescription drug plan has a list covering the drugs. The fact is that it may also change any time, but do not worry you will get the notice, when changes take place.


Medicare Advantage plans are provided by private companies that are into Medicare contract, thus, each plan has an individual premium.  As you get enrolled in United Healthcare medicare supplement plans, you are expected to be having the Medicare program such that you are paying the Part B Medicare premium monthly. Ensure your Medicare services are administered and covered by a single policy.


How to qualify for Medicare Advantage plans?

Qualifying for Medicare Advantage plans is possible on fulfilling these conditions:

  • There is Part A and B Medicare coverage with you.
  • You reside in an area that offers Medicare Advantage plans you wish to enroll.
  • You are not having critical diseases such as kidney failure or transplant.


Cost of Medicare Advantage plan?

The Medicare Advantage Plans costs vary from one to another. Yet do ask relevant questions before choosing one:

  • Do you have to pay monthly premium with the new plan in addition to the Part B Medicare premium
  • Is this plan annual deductible
  • If the prescription drugs are covered in this plan
  • What will be the out-of-pocket maximum limit

Medicare Supplement Plans- Everything You Should Know

Medicare supplement insurance is becoming enormous popular due to its incredible benefits. With an appropriate Medicare supplement plan, you can easily pay health care costs of some treatments that any other Medicare insurance plans don’t cover.

Before investing in any Medicare supplement plans, following are some important things you should consider to pick the right insurance for you-

  • Buy Medicare Part A and Part B both.
  • In case, you have bought Medicare Advantage Plan, you can easily apply for Medigap insurance plan. You should make sure that you leave your Medicare before your Medicap policy starts to reap its benefits to highest standards.
  • You need to pay a monthly premium for Medigap policy to a private insurance company. Additionally, you pay the Part B premium along with the monthly premium that you pay to Medicare.
  • Medicare policy is for individual buyer. If you and your spouse both want to purchase Medigap coverage, you both have to buy these policies separately.
  • Always purchase a Medigap policy from a reliable, prestigious and licensed insurance company.
  • Almost all standard Medigap policy is renewable even if you have serious health problems. Your insurance company cannot cancel your Medigap policy as long as you are playing its premium.
  • Any Medigap policies sold after January 1, 2006 are prohibited to include any prescription drug coverage. In case, you do not have prescription drug coverage, you can join Medicare Prescription Drug plan.
  • It is illegal to sell you a Medigap policy that you have Medicare supplement plans.

Medicare Supplement plans undoubtedly are very good investment. Medigap policies don’t cover long-term care, including vision, dental care, hearing aids, eyeglasses and private-duty nursing.

Go to Comparemedicaresupplementplans2018.com/ for more information.


Before making any further investment into Medigap, you should research well, and understand whether or not turned to be great asset. However, it is worth noticing that Medigap policies generally don’t cover long-term, care, vision, or dental care, hearing aids and  more.

Before starting of your Medicare plans, you may want a complement Medigap policy.  You might decide to switch a Medicare Advantage Plan that offers prescription drug coverage.


Cost Of Medicare Supplement Plans

The senior age is quite conflicting in the sense that the elder generation is not aware of what to qualify as a service which is worth the payment it asks, and which isn’t.

This article states the monthly premium (estimate) which you will have to pay for the various Medigap Plans for 2019. These costs may vary in the upcoming year, but these costs have been inflated a bit to meet that match.

  1. Plan A – $310

The plan includes major supplementary coverage such as blood transfusion and coinsurance for both part A and part B of the total supplementary coverage.

  1. Plan B – $423

The extra cost associated with this complete plan is related to the part B deductibles that it covers for.

  1. Plan C – $414

Plan C actually accommodates a greater proportion of the overall medical supplement cares offered in the Medigap Plans for 2019. These include coverage for part B deductibles as well as an approximate coverage of 80% for interstate travel emergencies.

  1. Plan D – $357

This is a mirror reflection of an affordable version of Plan C, which excludes the part B deductible coverage.

  1. Plan F – $321 ($393 For Maximum Deductibles)

This is the premier plan offered among the Medigap Plans for 2019. For the price range, the plan offers almost complete supplement cost coverage for most medical expenses out there. Combined with a basic Medicare plan, there exists no doubt that there is no further medical coverage you need.

  1. Plan G – $262

This particular plan holds a lot of popularity alongside Plan F because the only element differentiating the two is the fact that the former also covers for part B deductibles. However, because of the non-recurrent nature of those costs, people often consider G to be the best plan offered among all.

  1. Plans K-N ($120 – $320)

Medigap plans are more about partial coverage than complete coverage and are more towards the affordable side than they are for offering people the complete autonomy against paying at all for supplemental care.

Partial coverage includes 50%-80% coverage of most elements in the list of benefits offered. The only major advantage of opting for these plans over the premium and hyped ones is the fact that there can be simultaneous purchases, and that the overall impact on immediate expenses is lower.

Commonly Asked Questions Regarding Medicare Supplement Plans

With the dawn of old age arising, an important decision to make is deciding on your health insurance plan. The available plans, Medicare Advantage Plan and Original Medicare, have certain features special to each. Medicare Supplement Plans (Medigap) are availed alongside Original Medicare to fill in any ‘gaps’ you may have in your original plan such as such as deductibles, coinsurance and copayments, as well as other costs.

There are a few frequently asked questions regarding Medicare Supplement Plans, as follows:

  1. What does Medicare Supplement Insurance Plans cover?
  • Medicare part A coinsurance and hospital costs;
  • Medicare Part B coinsurance or copayment;
  • Blood (first 3 pints);
  • Part A hospice care coinsurance or copayment;
  • Skilled nursing facility care coinsurance;
  • Medicare Part A deductible;
  • Medicare Part B deductible;
  • Foreign travel emergency (up to plan limits);
  1. How much do Medicare Supplement Plans cost?

Best Medigap plans in 2018 are purchased through private insurance companies and not federally-administered. Thus, they are free to sell them at their own costs making the price of this plan very variable throughout the country. The price also varies depending upon the location. Some companies tend to offer discounts on such plans time to time, to increase the consumption of this plan. Furthermore, each company is subject to their own pricing models which lead to varying costs. Hence, it is advisable to directly contact your preferred choice of company regarding this matter.

  1. What is the eligibility for Medicare Supplement Plans?
  • You must be following the Original Medicare Plan.
  • You must avail both Part A and Part B of Medicare.
  • You must be above the age of sixty-five. If not, you must have legal permission in case of suffering from end-stage renal disease or qualifying disability.


  1. Can I choose my own doctor?

Your doctors will be same as that of your Original Medicare Plan. Thus, specialist approved by your company in the Original Plan will also be your doctor after availing the Medigap Plan.

  1. Are there any changes in Medicare Supplement Plans for 2019?

Apart from the discontinuation of Plan F, there don’t seem to be any other significant change in the Medicare Supplement Plans for 2019. It’s always a good idea to purchase this plan in the year before, so that you can know and predict any changes that can be incurred in the future.

We hope you found these helpful.

How to Screen the Best Agent for Your Medicare Supplemental Plans 2019?

Medicare Supplement Plans are very useful and fill the gaps in the conventional medical insurance plans. However, it can be confusing for you to compare and contrast the different Medicare Supplement Plans – given the plenty of information that you have to go through. Luckily, you can find a lot of reputed insurance professionals who can help you out. Here are some tips to help you screen the best agent for your Medicare Supplemental Plans 2019.

Talk to an independent broker / agent

You would like to ensure that you are talking to independent brokers or agents, who work typically with multiple carriers. They do not talk only about the options of a single company. An independent agent establishes relations with more than one carrier. This lets you choose from various options instead of being restricted to only a limited number of options.

Does he ask questions?

If the Medicare Supplement Plans 2019 agent does not talk to you about your lifestyle, health, activity level etc, he is not a good one to choose. He or she should ask important questions such as what your budget is, what your health condition is, how much you wish to travel, do you need complete coverage and whether you would like to share some of your medical costs, among other things.

Does he specialize in Medicare?

Medical insurance policies are very diverse in form. You should work with an insurance broker specializing in Medicare. He should be aware of the laws and changes in the same, to be able to offer you solid advice about Medicare. With an agent who specializes in the area that you need help with, you can expect to be on better ground.

His experience level

Check whether the agent has been there for a long time. Every year, many people enter the insurance business – only to leave after some time. With an agent who has been there in business for a long time, you can be assured of commitment. Avoid working with new Medicare Supplement Plans 2019 agents, who could be winding up business or leaving the profession after some time – leaving you in the lurch with a bad supplemental plan that is expensive and does not offer the type of coverage that you want.

Clarity of communication

Find out whether the agent presents all the information in an understandable and clear way. This will help clear up all your confusion. With a caring, competent agent, you can expect all the fine print of your policy to be clearly explained. You can clearly understand all your best Medicare supplement plans of 2019 options and make an appropriate choice.

How to Compare Various Medicare Supplement Plans 2019?

Presently, you can find as many as 7 Medicare Supplement plans that you can pick from – and these range from F to N, other than plans A to D. The advantages of each plan vary from another with little exception. In 1990, following the standardization of plans by Medicare, customers are able to compare the various advantages and costs of different plans in a better way. There are various Medicare Supplement Plans 2019 to pick from. It is essential that you conduct enough research in order to get one that matches your own situation and needs.

Check the legitimacy

You have to check whether the company that you are buying the supplemental plan from is a legitimate one. A number of agencies are only interested in collecting your personal details and selling them to many insurance agents. There are two methods to determine whether you are dealing with a legitimate Medicare Supplement Plans 2019 provider. You can find a toll-free number where you can call up customer support staffs. Also, you will find a statement in the company’s website that the agency will never sell or disclose your personal details to a third party.

Talk to an expert

In many cases, it would also be wise to get in touch with an expert specializing in Medicare supplement plans. This can reduce a lot of stress for you, and sort out many complicated issues for you. With his or her experience and training, the specialist can assist you with all your requirements.

Compare the costs

Compare the prices of various Medicare Supplement Plans 2019 that are available, while searching for various companies offering them. Better insurance agencies and brokers can offer you comparisons of plans from various insurance providers working in your region. The costs, in most cases, will vary even when the plans being offered are similar in form. Keep in mind that it is wise to invest some time into the research to arrive at a proper decision while buying the best plan for your needs and pocket.

Compare the coverage

You will also need to compare the amount of coverage being extended by each plan, and consider which type of coverage you require. If you only visit a doctor infrequently and happen to be in generally good health, you can go for Medicare Supplement Plans 2019 that offer basic coverage for medical expenses. On the other hand, if you are in poor health or progressing towards ‘senior citizen’ age, it is wise to opt for a plan offering extensive coverage.