Selecting a Plan

Consider the following when determining which Medicare coverage is right for you:

Medicare Parts A & B + Medicare Supplement Plan

What you can expect:

  • Accepted by any doctor or hospital that accepts Medicare Parts A & B patients. Acceptance is wider than that for most Medicare Advantage Plans.
  • For some plans, the premium may be the only thing that you will pay for Medicare-covered services. Most plans do not require a co-payment or co-insurance.
  • Premiums may be higher than a Medicare Advantage plan.

It may be a fit if:

  • You like to have the ability to see any doctor that accepts Medicare patients
  • You travel often

Enrolling in a Prescription Drug plan is recommended because Medicare Supplement plans do not provide coverage for these costs.

Medicare Advantage

What you can expect:

  • Generally, Medicare Advantage plans utilize a certain network of doctors.
  • Per-visit fees are often charged through either a co-payment or co-insurance.
  • Most Medicare Advantage plans cover both medical and prescription drug expenses through a single premium.

It may be a fit if:

  • You are willing to see doctors that are within the plan's network. (Plans often offer a lower cost option if the network doctors are used.)
  • You don’t visit the doctor very often (per-visit charges).
  • You prefer to have your medical and prescription drug coverage under one plan with a single premium.

Choosing the Right Medicare Plan for You:

Think about what’s important to you. Every individual may have unique needs and concerns when it comes to healthcare coverage. Some people are most concerned about keeping their costs down. Other people prefer going to any doctor they choose.

There are some differences among the Medicare plans, a few of which are listed below:

  • Different premium amounts and out-of-pocket costs
  • Choose in-network or out-of-network doctors
  • Whether you need a referral to go to a specialist
  • Whether you can get additional benefits
  • Distance of travel to get to the doctor or hospital
  • How often you travel for business or leisure

To help you make a more informed decision, consider the following:

  • The cost of benefits
  • Availability of benefits
  • Doctor and hospital choices

Considering these factors helps you choose the plan that best fits your needs.

Speak with a licensed sales agent

1-800-637-7602TTY User 711 Mon-Fri 8:30a - 8:00p ET

The MedicareUSA website is operated by HealthPlanOne, LLC a licensed health insurance agency based in Connecticut; in California d/b/a HPOne Insurance Agency, license #OF30784. HealthPlanOne, is a licensed and certified representative of Medicare Advantage HMO, PPO and PPFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare supplement plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.

The Centers for Medicare and Medicaid Services (CMS) does not review or approve Medicare Supplement plan information.

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Last Updated 09/01/2019