A traditional Medicare Supplement is very different from Medicare Advantage. With Medicare Supplements you still use your original Medicare Card, and add your Medicare Supplement health card. These plans are also provided by insurance companies, but they simply supplement the coverage gaps and deductibles not provided by original Medicare Part A and Part B. Some plans even refund the Part B premium. Also, Medicare Advantage Plans are not allowed to do a lot of risk selection based upon health, so they may be a good choice for less healthy applicants.

However, Medicare supplement Plans 2019 revisits the fact that if you have Medicare Part A and Part B, your Medicare supplement plan (located at )will pay the portion of your medical bill that Medicare will not pay. Of course, Medicare supplement plans differ, and so you need to be aware of exactly which portions a Medicare Supplement plan will pay before you sign up. For instance, Medicare may be 80% of your hospital bill, and your supplement will pick up the other 20%.

Medicare supplements come with premiums, and also may exclude unhealthy individuals. However, they generally provide the broadest access to health care. Choosing a Medicare health plan can be one of the most important decisions a Medicare beneficiary will make. Let us help you find the right plan to fit your needs, lifestyle, and budget. Our government has recognized that it is very important to care for its elderly citizens. That is the reason why Medicare health insurance was created. Anyone age 65 or older is eligible for this government health care plan. For many that are eligible, Medicare can be very confusing because it has many parts.

To put it simply, Part A covers any costs for impatient hospital care. Most of those who pay Medicare taxes from paychecks receive Part A for free and automatically. Part B includes some doctors’ services and outpatient care-but it is not free. Part B requires a minor monthly premium. Part C deals with various health care options, like HMOs, that are approved by Medicare but are not related. Part C allows for a private insurance company, through a government contract, to reside over all of your Medicare benefits. Part C also requires additional costs that can vary widely. Part D was created to cover prescription drugs. This plan is controlled by private companies that are Medicare-approved. It is also optional and costs more money.