Medicare Supplements Medicare supplement plans, or medigap, are policies specifically designed to cover the 20% gap associated with Medicare and cover such things as deductibles, copayments and coinsurance. In addition, they cover benefits like.

• No restrictive provider networks.
• Coverage that goes with you when you travel nationally.
• Coverage of excess charges and foreign travel exchange in some plans

You must have Medicare Part A&B to buy in medigap policy. Private insurance companies sell Medicare gap plans, and premiums may vary by provider. Medicare Advantage Medicare Advantage plans are an alternative to original Medicare that offer additional coverage, such as vision, dental, hearing, and prescription drugs. They also provide lower out of pocket costs, such as premiums and deductibles, and improved coordination of care among different providers additionally they provide personalized medical plans that suit your needs and preferences. Medicare Advantage plans cover all the services that original Medicare covers, and some may also offer fitness program coverage, transportation to doctor’s visits, and over the counter drug coverage.

• They provide all of the hospital and medical care benefits covered by Original Medicare, except for clinical trials, hospice services, and some new benefits.
• They have a yearly limit on your out-of-pocket costs.
• Most Medicare Advantage Plans include Medicare drug coverage (Part D), and some also cover fitness programs, vision, hearing, and dental services, transportation to doctor visits, over-the-counter drugs, and services that promote your health and wellness.
• Some plans may use a primary care physician to coordinate your care and make referrals to specialists.
• You still have Medicare rights and protections.
• You can join a Medicare Advantage Plan even if you have a pre-existing condition.
• Some plans may offer lower costs than Original Medicare.
• Some plans may feature $0 monthly premiums.