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MEDICARE SUPPLEMENT PLANS

If you qualify for Medicare (or will soon) you should be investigating Medicare supplement plans. You may be able to select from private insurers to reduce the costs of your medical care. Medicare Advantage Plans are health plans offered by private insurance companies that provide you your Medicare benefits.

Want More tips and Information? Check out or Medicare Supplemental Health Insurance Tips and Info page.

Medicare Supplement Plan Choices

• The original (or traditional) Medicare Plan
• Medicare Advantage Plans (including HMO, PPO, and PFFS)* plans
• Medicare Prescription Drug Plans

Original Medicare Plan

• A fee-for-service plan
• Health care provider gets paid for each service you receive
• You can go to any health care provider that accepts Medicare
• Does NOT pay for all health care costs

Medicare Advantage Plans

• Three main types of Medicare Advantage Plans: HMOs, PPOs, and PFFSs
• Plans are offered by private insurance companies
• Plans provide all of the benefits of Original Medicare and generally provide additional benefits and lower copayments
• May be a limit on where you can get your care, which doctors you can see, and how often you can see them

Prescription Drug Plans

If you have Medicare, you may need to select a Medicare prescription drug plan. If you have a Medicare Advantage Plan you might not need to purchase a separate drug plan. Drug coverage is generally included in Medicare HMO and PPO Plans.

Be aware that drug plans vary considerably in coverage and costs. Compare plans carefully to find the best plan for your individual health needs.

Compare Medicare Prescription Drug Plans

Click here for our Medicare Prescription Drug Plan comparison page, which uses the Government's Medicare website to provide the results. We can help you purchase almost any plan that you'll find on this comparison page.

Uncertain about all those insurance terms? Here's a link to a helpful glossary offered by the State of California: Glossary of Insurance Terms

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