Why Choose Medicare Supplement Over Medicare Advantage?

Medicare Supplement Insurance vs Medicare Advantage Programs

There is no “one size fits all” when it comes to insurance. Your coverage should solely be based off your personal needs. Therefore some Seniors may want a Medicare Advantage (MA) plan, while others may want to get a Medicare Supplement insurance policy. We’ve found three critical components Seniors should consider when they’re shopping for coverage.

• Cost of Medicare Supplement vs Medicare Advantage 
  Be sure to look at the total cost of coverage. While some Medicare Advantage plans may have low premiums, certain Medicare Supplement insurance plans may have lower out-of-pocket expenses. Low premiums may lead to higher out-of-pocket expenses, which is the money Seniors are responsible for paying before their insurance will cover the full amount.

• Provider choice with Medicare Supplement vs Medicare Advantage 
  Medicare Advantage plans typically limit Seniors to the doctors and facilities within the HMO or PPO restricted network and may not cover out-of-network expenses. Medicare Supplement insurance policies cover any doctors or facilities that accept Medicare.

• Geographical coverage with Medicare Supplement vs Medicare Advantage
  Medicare Advantage plans often only operate in certain regions. Therefore, Seniors who travel frequently may be better off with a Medicare Supplement insurance policy due to its widespread availability. No matter where you live or travel in the United States, our coverage is accepted by any physician who accepts Medicare.

Cost, provider, and lifestyle all plan a part in deciding which insurance coverage would be best for you. When making a decision on coverage, be sure to factor in these points. If you have any questions about purchasing a Medicare Supplement policy, contact a licensed insurance agent.