Choosing a Medicare Supplement
In 1990, the government standardized Medicare Supplement plans to make them easier to compare. Check out this chart to compare side-by-side. If you decide that a Medigap plan is the best option for you, our agency can provide you with a list of plans available locally. The cost of Medicare Supplements varies depending on your gender, age, zip code, tobacco use, and whether you qualify for household discounts.
Choosing a Medicare Advantage Plan
If you prefer Medicare Advantage, however, we recommend searching through Medicare.gov’s website. We’ll use the Medicare Plan Finder Tool to look for Medicare Advantage plans in your county that meet your needs. For the lowest premiums, some people prefer Medicare HMO plans.
Others prefer Medicare PPO plans because they are more flexible and, if needed, include out-of-network benefits. Other plan types, such as Medicare Cost Plans, Special Needs Plans, and Private Fee-for-Service (PFFS) plans, are available in some counties. All of these are familiar to our agents, and they can assist you in sorting through the results to find a plan that your doctors will accept.