Medicare vs. Medicare Supplemental vs. Medicare Advantage
IF YOU’RE 65 OR OLDER, YOU’RE ELIGIBLE FOR MEDICARE.
If you’re younger than 65 but have certain disabilities or end-stage renal disease, you might also be eligible. There are several Medicare options to choose from, and which one you select will depend on your particular situation. Here are five key questions for you to think about as you consider what plan is right for you:
- How much health care will I use each year?
- How much can I afford to pay in monthly premiums?
- How much can I afford to pay in out-of-pocket costs?
- Do I need access to a national network of doctors and hospitals?
- Do I want extras like dental, visions and gym memberships with my plan?
If you choose Medicare or Medicare Advantage, you’ll still need to pay your Medicare Part B premium. Here are some features of Medicare plans:
- Includes Part A (hospital care) and Part B (doctors, medical procedures and equipment)
- Does not include coverage for prescription drugs (Part D)
- Does not cover dental, vision or hearing services
- You can see any health care provider that takes Medicare
- There is no maximum for out-of-pocket expenses
Medicare Supplemental Plans (also called Medigap)
- Provide additional help with medical costs (such as deductibles, copayments and coinsurance)
- Have yearly out-of-pocket limits
- Do not cover additional health care services and prescription drugs
Medicare Advantage (MA) Plans (also called Part C)
- Include coverage for health care services not covered by Medicare, such as dental, vision and hearing
- Most plans cover prescription drug costs
- Might have extra benefits, such as health and wellness programs
- Often provide emergency or urgent care when traveling abroad
When deciding between Medicare, Medicare Supplemental and Medicare Advantage plans, you need to consider cost, coverage levels and doctor networks.
For more information on Medicare plans, call HAP Customer Service at (800) 868-9885 (TTY: 711) or visit hap.org/medicare