Agent Compares Medicare Advantage To Medicare Supplement

LAS VEGAS - Aug. 10, 2022 - PRLog -- Local Health Insurance Agent Shelly Rogers with Nevada Insurance Enrollment has been flooded with questions from her customers about the differences between Medicare Advantage and Medicare Supplement plans.

She explains that during The Medicare Annual Election Period (AEP), which is from October 15th through December 7th each year, many people may ask the question, "Do I want a Medicare Advantage Plan or a Medicare Supplement Plan (Medigap)?". To help someone answer that question, they have to know the differences between these two programs to make a good decision.

Medicare Advantage
Many people love the idea of having a Medicare Advantage (Part C) plan because it has a minimal monthly premium. The MAPD plans have prescription coverage built into the plan, so you don't have to buy a separate drug plan. Most MAPD plans also have added benefits like dental and vision coverage, transportation, gym memberships, etc. So many of these plans you'll not need a separate dental or vision plan. They do, however, have "networks" of doctors and hospitals. You need to consider the potential costs of your yearly medical expenses. What is the plan's "out of pocket maximum's"?  You can't always calculate or predict these expenses. Also look at your co-pays, especially daily co-pays for hospital admissions. Generally, the costs to you are very low, but please make sure to look at this.

Medicare Supplement
With a Medicare Supplement Plan G, you would pay your monthly premium and your very small Part B deductible, and that's it. No costs for the most part after that small deductible. You just pay your monthly premium and see any doctor in the country that takes Medicare. Your monthly costs are always the same, and that can really be a benefit knowing what your expenses will be. Although the monthly expenses are a consideration that you'll pay on top of Medicare. So monthly expenses are a consideration. You'll also need to buy a prescription drug plan that is purchased separately. Without a drug plan you'll have lifelong penalties. Don't forget the drug plan!

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Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554
Website: NevadaInsuranceEnrollment.com