Choosing between “Original Medicare with a Supplement & PDP” and “Medicare Advantage” is an important decision and it’s wise to do your research at least a few months before turning 65!
Medicare plan selection can be confusing. “Original Medicare” is now a collection of Part A & Part B, with an add-on Medicare “Supplement” Plan (also lettered as F, G or similar), and an add-on Prescription Drug Plan (PDP) which can be combined to create a comprehensive, predictable, affordable, and best-in-class long-term solution for you and for what may likely be your ‘permanent’ health insurance plan. Importantly, this Medicare Supplement / Medigap path ‘eliminates’ provider networks, most pre-approvals and referrals, possible ‘step care’ and has a low annual health care deductible. Plus, Medicare Supplement / Medigap path offers same coverage nationwide and allows you to seek out specialists and facilities anywhere in the US — want to see a specialist at Johns Hopkins, the Mayo Clinic or a “leading specialist in Denver” you’ve read about — it’s all included for the tradeoff of a modest monthly premium in most cases. However, you have just an opportunity or two to utilize a Medicare Supplement before that door closes to most new enrollees to Medicare.
Your alternative Medicare health coverage path is called "Medicare Advantage"-- the plan type promoted in the Joe Namath and JJ Walker television commercials is essentially a privatized packaged version of care meeting minimum requirements set by CMS* and fully provisioned by private insurance carriers who can impose restrictions including networks of health providers, pre-approval requirements, referral requirements, step-care or partial care determined by the insurance company (sometimes in contrast your doctor), and higher annual maximum out of pocket expenses (MooP) per year (MoosP is up to $8300 in 2023). Medicare Advantage plans can pay a higher 'commission' to the agents (or telemarketers) that will call you relentlessly once you "Call Now" sharing your phone number, so be careful. If you already have a Medicare Advantage plan it "may" be possible to transition over to a Medicare Supplement. Give us a call to learn more about possibly moving from Medicare Advantage to Original Medicare + Supplement/PDP.
In the meantime, it's important to know that Vital Coverage Group, LLC's information, advice and help with enrollment is free to all Medicare enrollees (in our license states) when they turn 65 (or shift plans later if they qualify) as Medicare allows licensed insurance agents and agencies to earn a modest fee to assist you and others with these important decisions. So be sure to rely on an independent licensed professional -- not a TV commercial -- for your questions and enrollment of your vital Medicare coverage. We almost exclusively present Original Medicare-based plans and can help find the best fit for your situation and lifestyle.
Nearing age 65? Get ready to be called multiple times every day by telemarketers trying to sell you Medicare Advantage plans promising "zero cost", free groceries, a free "dental plan" and more. Of course, nothing is really "free" so ask us to share coverage differences across plans to ensure your best fit. Life happens, health happens, be ready.
Vital Coverage Group, LLC:
There is never a fee for our services. CMS, the Centers for Medicare & Medicaid Services oversee compensation to Vital Coverage Group, LLC and other insurance licensees who offer Medicare enrollment guidance.
GET STARTED on our website with our no-obligation Intake Form to share your Key Dates, Prescriptions (and even Preferred Doctors) for our Medicare quote engine. Also select topics {Scope of Appointment) and schedule a short 30-min call.
Prefer a short introduction call?...call Jeff at 703-579-7611
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please visit Medicare.gov or call 1-800-MEDICARE to get information on all of your options.
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