There are many plans to choose from, but all plans fall into one of two types.

Decide which type you’d prefer to lower your Medicare out-of-pocket costs.

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TYPE 1

Medicare Pays First You add:
Medicare Supplement Plan
& Medicare Part D Rx Plan

TYPE 2

Join Medicare Advantage
HMO or PPO
Most plans include Part D Rx

When compared, the main differences between these two types is:

TYPE 1

vs.

TYPE 2

Monthly premiums

vs.

Normally less than type 1

Little or no cost for medical care

vs.

Copayments for medical care

Choose any Medicare provider in the USA

vs.

Network providers

Choose any RX plan

vs.

RX plan included with health plan

Portability

vs.

Must reside in the plan service area

Dental seperate

vs.

Dental option on some plans

Government funding on RX only

vs.

Rely on government funding

Cost more for extra benefits

vs.

Extra benefits like gym membership

Change Medsup plans anytime
(Medical history may be required)

vs.

Change plans once per year
(Enrollment denied for kidney failure)

MEDICARE SUPPLEMENTS:

Aetna, Anthem Blue Cross and Blue Shield, Humana, Medico, Mutual of Omaha, Transamerica and United Healthcare (AARP).

 

MEDICARE ADVANTAGE PLANS:

Prominence (Saint Mary’s), Senior Care Plus (Referrals), United Healthcare Medicare Complete – AARP.

 

LIFE INSURANCE:

Final Expense Plans, Wealth Transfer Plans, Life Insurance with Long Term Care Benefits.