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MedicareSupplemental.com is an information portal and quote provider for Medicare Supplemental Insurance, also called "Medigap" insurance. If you are visiting us, you are likely to be either looking for or contemplating the purchase of a Medicare Supplemental policy.

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Medicare Advantage

Are you confused about Medicare Advantage? Not sure if you need to purchase Medicare Advantage, or a supplemental insurance plan?

While Medicare Advantage offers more coverage than original Medicare, it's a good idea to know what exactly your Advantage plan covers, and at what cost. If you can get your health care needs met with a Medicare supplemental insurance plan and original Medicare, and it costs you less, you can save a lot of money every month by switching to the less expensive alternative.

Medicare Advantage insurance is also known as Medicare Part C. This is a medical coverage option that's run by private companies and has been approved by, and is under the control of, Medicare.

Advantage Plans may offer you prescription drug coverage, as well as all of your Part A and Part D coverage; however be sure to compare all the costs and make sure that an Advantage plan won't cost you more than basic Medicare plus a supplemental insurance plan.

Medicare Advantage, while not free of charge, is different from a Medicare supplemental insurance policy because it is a means of getting and arranging your Medicare benefits, while supplemental insurance only supplements Medicare benefits.

If you have a Medicare Advantage plan you must choose from a Health Maintenance Organization Plan (HMO), Preferred Provider Organization Plan (PPO), Private Fee-for-Service Plan (PFFS), a Medical Savings Account (MSA), or a Special Needs Plan (SNP).

Medicare Advantage might give you extra coverage for prescriptions and health services, but since costs for these items and services vary by plan be sure to shop around carefully. Also, always keep in mind that if you have Medicare Advantage it is illegal for anyone to sell you Medicare supplemental health insurance.

If you have a Medicare Supplemental Insurance plan and you want to switch from original Medicare to Medicare Advantage, you will probably need to drop your supplemental insurance, since it can't be applied to deductibles, copayments, or coinsurance for Medicare Advantage.

In some states you are allowed a trial period with Medicare Advantage, during which time you can purchase supplemental insurance if you feel that Medicare Advantage isn't right for you.

However, in other cases you won't be able to get your supplemental policy back, should you change your mind and discover you don't like the new coverage. For this reason you should speak to your State Health Insurance Assistance Program before you make such a decision.

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* MedicareSupplemental.com provides a free guide written and distributed by the Centers for Medicare & Medicaid Services titled "Choosing a Medigap Policy: A Guide to Health Insurance for People on Medicare". This guide is also available for free on the official Medicare.gov website. By submitting this form, you are also requesting that a licensed insurance agent contact you by email or telephone.
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