Medicare Insurance

Q. What is the difference between Medicare Advantage and Medigap?

A. Medicare Advantage (MA) plans are insurance policies offered by independent insurance carriers and are designed to cover the same services that Original Medicare (Part A & Part B) cover. However, MA plan designs will generally require just a copay for most healthcare services.

MA plans do include provider networks with HMO plans being more restrictive than PPO options - but most of the HMO plans provide very adequate network providers in a given service area.

Medicare Supplement (Medigap) plans do just what their name suggest. They supplement Original Medicare Part A & B. Medicare qualifies, reprices, and pays your claims first; then the Medicare Supplement pays what you would normally be respon-

Michelle Walters Executive Vice President

sible for under Original Medicare (varies by plan chosen).

To learn more of the differences between your Medicare options, join us for an upcoming Medicare Education session and get answers to your Medicare Insurance questions. Call us today to RSVP.

Our consultation and education services are FREE!