MEDICARE SUPPLEMENT

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Medicare Supplements

Medicare supplements are health insurance policies sold by private insurers that work in conjunction with and help cover the GAPS in Original Medicare. They are also sometimes called “Medigap Plans” or “secondary plans”. You must be entitled to Part A and enrolled in Part B.

You  are allowed to select a Medicare supplement plan without going through underwriting or being subject to eligibility questions if:

• You are turning 65 within 6 months and have applied for or eligible for Medicare Part A and B
• If you are older than 65 and have lost group insurance coverage through no fault of your own in the last 63 days and have applied for Part B
• If you are under 65 and have recently received Medicare Disability.

Also Medicare supplement plans are not subject to the “Annual Open Enrollment” as the other Medicare plans are, once you’ve chosen a Medicare supplement plan, that’s all you have to do, no other action will ever be required and the plan will automatically renew on your anniversary date.

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Why Do People Choose
Medicare Supplements?

You get to choose your doctors and hospitals. There are no networks.

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What do Medicare supplements NOT cover?

Long Term Care

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How Medicare Supplement plans works

A Medi-Gap or “Medicare Supplement” is offered by private insurance companies to help pay all or most of the cost left behind by Medicare Part A and B. These plans have the following features and benefits:

*Most plans do not have a co-pays except Plan N

Medicare supplement plans are not subject to Medicare compliance laws as are other types of Medicare health plans and Part D drug plans.

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Medicare Advantage (Part C)

Medicare Advantage is a type of health policy approved by Medicare that is administered by private companies. Medicare Advantage plans combine Medicare Parts A, B, and D into one plan and usually use a network of providers and hospitals. These plans are most offered as HMOs and PPOs. Though they are provided by private insurers, Medicare Advantage plans are tightly regulated and funded by CMS. The private insurers are accepting all the risk for your care. You must continue paying your Part B premium.

Many describe Medicare Advantage plans as feeling a bit like Group insurance you may have had while working. If you choose an HMO, you usually must choose a primary care physician (PCP) who manages your care and provides referrals to specialists. For those who want a bit more flexibility in choosing doctors or the ability to go out-of-network, a PPO structure might fit the bill. When accessing care, there may be deductibles and co-insurance up to a maximum out-of-pocket amount. Once this maximum is reached, the private insurer is responsible for all hospital and medical costs for the remainder of the year.

In addition, Medicare Advantage often offers benefits above and beyond Original Medicare such as dental, routine vision, and routine hearing (among others).Medicare Advantage is very popular with consumers and enrollment is growing rapidly.

These are often the plans seen on television and radio commercials offering premium “as low as $0”. The key to customer satisfaction is talking with your agent at Affordable Health and Medicare Insurance to make sure that your needs are understood and that your doctors, hospitals, and pharmacies are part of the plan’s network[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|off|off” _builder_version=”4.9.10″ _module_preset=”default”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ module_id=”health-Insurance2″ _builder_version=”4.9.10″ _module_preset=”default” background_enable_image=”off” custom_padding=”||||false|false”][et_pb_column type=”1_2″ _builder_version=”4.9.10″ _module_preset=”default” background_enable_image=”off” background_position=”bottom_left”][et_pb_image src=”https://utahvalleymedicare.com/wp-content/uploads/2021/09/Medicare-Advantage-1.png” title_text=”Medicare Advantage” align_tablet=”center” align_phone=”” align_last_edited=”on|tablet” module_id=”custom-image” _builder_version=”4.9.10″ _module_preset=”default” background_color=”RGBA(0,0,0,0)” background_enable_image=”off” background_position=”bottom_right” background_blend=”overlay” z_index=”999999″ module_alignment=”right” custom_margin=”0px||0px||false|false” custom_margin_tablet=”||20px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|tablet” custom_padding=”0px||0px||false|false” animation_style=”slide”][/et_pb_image][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_text module_id=”section-before1″ _builder_version=”4.9.10″ _module_preset=”default” text_font=”Inter||||||||” text_text_color=”#383838″ text_font_size=”16px” text_letter_spacing=”1px” text_line_height=”1.5em” link_font=”|700|||||||” link_text_color=”#000000″ header_2_font=”Inter|700|||||||” header_2_text_color=”#042b7b” header_2_font_size=”32px” header_2_letter_spacing=”2px” header_2_line_height=”1.2em” header_3_font=”Inter|700||on|||||” header_3_text_color=”#38b349″ header_3_font_size=”17px” header_3_letter_spacing=”2px” hover_enabled=”0″ link_text_color__hover_enabled=”on|hover” sticky_enabled=”0″]

Which is best…Medicare supplements or Medicare Advantage?

The answer to this varies from person to person. Satisfaction depends largely on a customer’s expectations, budget, and style of care they prefer. We find that people who do not mind paying a premium and who want maximum doctor choice are often good fits for supplements. Also, people who travel frequently or who want to minimize co-pays and co-insurance often prefer this type of coverage as well.
For Medicare Advantage plans, the lower premium options are a very popular feature for those willing to utilize doctor networks, get referrals, and pay co-pays and co-insurance when they access care, The extra benefits (such as routine dental, vision, and hearing) not covered by Medicare are also very enticing and popular when considering a Medicare Advantage plan. The agents at Utah Valley Medicare are well versed and highly proficient in presenting the Medicare options to you in a way that will make sense and be easy to understand. Our goal is to first understand your situation and present plans that will best fit your needs. Please call us: 801-209-7704 and ask for Franklin. You can also schedule an appointment online.

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