Helps fill Original Medicare’s "gaps" by paying eligible expenses not paid by Medicare - such as deductibles and coinsurance. Some plans include dental and vision benefits.
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Medicare Supplement Insurance (Medicare Supplement)Īll of the benefits of Medicare Parts A and B, plus additional benefits not covered by Original Medicare. The chart below gives you a side–by–side comparison of the key features of Medicare Advantage coverage versus Medicare Supplement insurance: If so, do you need a plan that will cover you while you are away? Prescription DrugsĪre prescription drug benefits included in the plan? If so, are the medications you take on the plan’s list of covered drugs (also called a formulary)?Īre the participating pharmacies convenient? It’s important to compare Is it important for you to have the freedom to choose any doctor?Īre you comfortable with having a Primary Care Physician (PCP) coordinate your health care? Travelĭo you spend part of every year in another state? Some plans include benefits for outpatient prescription drugs, vision, dental and hearing care. Here are some considerations to keep in mind when making your choice: Costĭo you prefer paying a lower premium or are you more concerned about keeping your out-of-pocket costs for health care (deductibles, copayments, coinsurance) lower? Benefitsĭo you want extra benefits beyond Medicare?
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With Medicare Supplement coverage, you are free to choose your doctor and hospital as long as they accept Original Medicare. Prescription drug coverage can be added with a stand–alone prescription drug (Part D) plan. (Horizon Blue Cross Blue Shield of New Jersey offers Horizon Medicare Blue Supplement Plans A, C, D, F, G, K and N to applicants age 65 or older.) While Medicare Supplement plans are designed to cover what Medicare doesn't, they do NOT provide prescription drug coverage. There are 10 standardized Medicare Supplement plans (Plans A through N), each with a different combination of benefits. Medicare Supplement Insurance (Medicare Supplement)Ī Medicare Supplement plan is designed to pay for certain healthcare expenses not covered by Medicare Part A and Part B. Typically, a Medicare Advantage plan requires you to use network providers, though you may have options regarding out–of–network care. Some Medicare Advantage plans include prescription drug coverage (often for an additional monthly cost), so that you get all of your health coverage under one plan. These plans provide all of the hospitalization (Part A) and medical coverage (Part B) of Medicare, plus additional benefits that are not part of Original Medicare.
Medicare Advantage plans are partially funded by Medicare but offered by private insurance companies. Here's a brief overview of the key differences: Medicare Advantage (MA) The answer depends on your circumstances and needs. When first exploring health care coverage options, many new Medicare beneficiaries ask: "Which is better, Medicare Advantage (MA) or Medicare Supplement insurance?" What you really need to know is which is better for you. Eligibility Information & Enrollment Instructions
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