* * * THIS IS NOT AN ADVERTISEMENT * * *
If you are just viewing this article and have not yet read Part One, please go back two weeks to the first of the series; begin there followed by Part Two a week ago. I am sharing this with you as a public service - no monetary or other consideration is exchanged between Tim and myself. Find out more about how we know each other in Part One today! Al Cannistra
Our Guest Author today: Tim Allen, BA, MM, CSA
“What Kind of Medicare Plan Might Fit Your Unique Needs?” (part three)
Client Tales – Part Three of a Three-Part Series
• Except for a deductible, supplements will cost $0 Doctor & Hospital cost vs Low copays for Medic Advantage plans.• Usually, supplements have higher premiums vs lower or $0 premium.
• You may see any doctor who accepts Medicare in the United States on a supplement vs. no coverage out-of-network on an HMO, and higher cost out-of-network on a PPO. You can receive care in an emergency room anywhere in world on both plans and most but not all Urgent Care is considered in-network for both.• People who travel like the freedom of the supplement vs. cost-conscious clients who prefer low or no premiums.• There is a $233 annual Pt. B deductible vs. none on most Medicare Advantage plans.• Medigap supplements require a separate Pt. D plan but are included in most Medicare Advantage plans.