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2 Ways To Have Medicare - This Page
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The Two Ways To Have Medicare
There are 2 ways to have Medicare; Original Medicare A & B and Medicare Advantage (Also known as Part C). With Original Medicare, your benefits are provided directly by the federal government. Medicare Advantage is when you get your Medicare through a private insurance provider who is contracted with Medicare. The depictions below gives you an overview of how each scenario looks.
Original Medicare
Includes Hospitalization under Part A and Outpatient care under Part B.
Include a Medicare Supplement Policy as enhanced medical coverage.
Add a separate Part D drug plan to cover medications at the pharmacy.
Original Medicare is "un-bundled." You piece together the coverage you want and need.
Medicare Advantage
Medicare Advantage includes Part A Hospitalization and Part B Outpatient benefits. It may also include extra benefits such as; Part D prescription, medical cost protection, dental, & vision benefits. Medicare Advantage are provided by private insurers.
Medicare Advantage Plans are "bundled" and include all benefits in one plan.
Medicare Supplement
Vs. Advantage
In this video Ben explores the pros and cons of the two ways to have Medicare, helping you find direction for your personal choices.
Take the Medicare Quiz for a shortcut in determining which Medicare options may be best for you.
Medicare Supplement Vs. Medicare Advantage
Comparison Chart Snapshot In 5 Key Areas
Medicare Supplement
1. Monthly Cost
$80 to $140 per month in addition to Medicare premium of $148.50.
2. Medical Coverage
You have low or no out of pocket medical bills.
3. Doctor Networks
No networks, you have open choice with doctors who accept Medicare.
4. Prescription
You will need to buy a separate Part D prescription plan.
5. Extra Benefits
If you would like, you'll need to buy separate dental, vision, etc.
Total Monthly Cost Estimate
Best For?
$248 - $300 a month
Those who want or need the most medical coverage and can afford to pay an additional monthly cost for it.
Medicare Advantage
$0 to $50 per month in addition to Medicare premium of $148.50.
You may have copays out of pocket for certain services, may be higher than with a Medicare Supplement.
Most plans have doctor and hospital networks, which vary in quality depending on insurer and plan.
Most plans include prescription coverage.
Dental, Vision, and other extra benefits are often included.
$148.50 - $200 a month
Those who prefer not to pay, or can't afford to pay much of an additional cost, but still want the additional coverage and benefits.
Recommended Next Section: Medicare Supplement Plans
About Your Agent
Since beginning his career as a Licensed Insurance Agent, Ben Rodriguez has personally helped over 1,000 Medicare recipients. He has a degree in Business Finance from Kent State University and has acquired over 15 years of experience in financial services & insurance. Having a close relationship with his parents and grandparents has made him in tune to the needs of boomers and seniors. Ben is known for his professionalism with a personal touch that he brings to each of his clients.
Ben Rodriguez
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