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Here's a brief comparison of:
Original Medicare
Part A: Covers hospital insurance (inpatient care).
Part B: Covers medical insurance (doctor visits, outpatient care).
Part D: Optional prescription drug coverage (separate plan).
Medigap: Optional supplemental insurance to cover additional costs.
Providers: Can see any doctor or hospital in the U.S. that accepts Medicare.
Medicare Advantage (Part C)
Part A and B: Bundled together, often includes Part D (prescription drugs).
Additional Benefits: May include vision, dental, hearing, and wellness programs.
Networks: Typically requires you to use doctors and hospitals within the plan's network.
Costs: May have lower premiums but could include co-pays, co-insurance, and deductibles.
Out-of-Pocket Limits: Usually has a yearly limit on out-of-pocket costs.
Choosing between the two depends on your healthcare needs, budget, and preferences for flexibility in choosing healthcare providers.
Does this make the differences clearer for you? For further details and to buy a Medicare policy, reach out to me at 701-306-9972. Act quickly, as open enrollment concludes on December 7th.
701-277-5905 | Ed@edinsurance.net
As an independent broker with 35+ years of experience, Ed is committed to providing quality insurance options for both groups and individuals at affordable prices.
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