If it is most important to you to have the widest range of choice in where you receive health care based on your lifestyle, health, and finances, then the right solution is probably a Medicare Supplement (Medigap) plan and a Part D Prescription Drug Plan.
It is called "Medigap" because it covers the gaps in coverage from Original Medicare (Part A and Part B). Through Original Medicare, about 80% of health care costs are covered.
Medicare Supplement (Medigap) plans generally cover the remaining 20% of out-of-pocket costs including co-pays and deductibles. So you pay higher monthly premiums, but less in out-of-pocket costs.
The benefits offered in a Medicare Supplement (Medigap) plan will be the same no matter what insurance company provides your policy. The plans are differentiated by letters – A through N – and there are set benefits for each plan. The plans are standardized by the Federal government. So it’s easy to compare plans across different insurers.
Costs, however, are not the same between companies. So we will review your needs and get quotes that are best for you. That way you are comparing apples to apples.