As a Medicare recipient, you may also wonder what all are the affordable plans that are available in your location. However, operating many plans and at the same time keeping track of available plans can be a bit time-consuming task.

We will help you to make your task easier. Read every point thoroughly before starting your hunt for a cheap plan:


While Part A of Medicare is free to many of the recipients, Part B of Medicare has a premium.

The premium of Medicare Part B becomes more for the higher-income recipients in some rare situations.

While Medicare Part A offers hospital benefits along with all the services throughout your hospital stay, Part B offers outpatient benefits including ER visits, physical therapy, outpatient surgeries, diagnostic imaging as well as labs and doctor’s office visits. The remaining 20% is the accountability of the recipient to pay off the out-of-pocket.

Also, this 20% can effortlessly add up or cost beneficiaries a lot in out-of-pocket costs. 

Other than Part A & Part B of Medicare, there are two more options for feasible plan which you can add to your Original Medicare:

  • Advantage Part C – Plans under Part C can be PPOs or HMOs & also provide extra benefits such as coverage for dental or vision and prescription.
  • Prescription Part D 


Most of the people assume that Medicare is just free. However, it is not completely true as beneficiaries have to pay premium every month for their respective coverage. But, Part A is free for many people.

Every recipient has to spend a standard premium for their Part B. But, you will have to pay a little extra if your total income exceeds a certain amount.

When you sign up in a Part C plan, still you will have to pay the premium for Part B. In fact, you will also have to pay an extra premium to your insurance provider based on your selected plan.

Premiums of Part D differ based on your insurance provider as well as the benefits of your plan. But you will have to pay an extra premium if your total income exceeds a certain level.


Medigap or Supplement plans basically function with Medicare benefits. While Medicare covers 80%, Supplement plans offer some of the secondary benefits for many other health care costs.

Various pricing methods in the Medicare Supplement Plan:

  • Issue-Age– in this the premium is acquired from the age in which you purchase your Medigap Plan
  • Attained-Age– In this, the premium is acquired from the age in which you purchase the plan but it will gradually increase with your age
  • Community-Rating– In this, the premium is the same. Because of your location and your age is not considered.


  • Plan G 

This benefits of this plan include coverage for the Medicare Part A deductible and also the 20% copayments & coinsurance.

It will also provide coverage for your additional medical emergencies & charges when you travel abroad. However, it does not provide coverage for your deductible of Part B.

  • Plan N 

This plan is one of the four “cost-sharing” plans. Plan N is also a well-known affordable Medigap Plans. But it does not provide many benefits. Plan N basically provides coverage for the deductible of Part A as well as some medical emergencies when you travel to a foreign country and also the 20% that is not covered by Medicare.

  • Plan C 

Plan C is known as the second most affordable supplement plans after Plan G and Plan N.

While Plan C does not offer coverage extra charges, it does offer coverage for your Part B deductible.

Now, it is you call!!

Pick up an Affordable Medicare Plan for yourself or switch from your existing plan, if you wish.



5 Reasons Why Medicare is Necessary!!


Most of the seniors who approach their Medicare eligibility wonder, “Is Medicare a good plan?”

We agree, there are times when Medicare plans also get some bad reviews. Recipients do complain about prices of prescription drugs & even the coverage issues mainly for long-term care.

Also Read: Top 5 Medicare Plans of 2020

If you are near to reach Medicare eligibility, then it is very important to treat Medicare with an appropriate mind as well as actions. Keep in mind that your plan can be different from your union healthcare plan or employer healthcare plan and this is completely based on the plan & coverage you select. However, Medicare comes with a lot of new things.

Do you know the 5 reasons why Medicare is necessary? If not, keep reading!!!



People who qualify for Premium Free Part A, they have to only pay for their premium of Part B for Original Medicare coverage.

While the premium of Part B is $ 135.50, the average monthly premium of private healthcare plans is around $ 403 (in 2019).

Plus, the premium of Medicare rises slower than other private healthcare plans. Since 2013, the premiums of private insurance increased by 123% and the premium of Part B increased just by 25% or $ 30 per month.

And you will be happy to know that you will now pay lower premiums for Medicare in the year 2020. Now, does that ever occur in the private insurance plans?

Also Read: Choose Top Rated Medicare Plans For You



After understanding the fact that Medicare is the only facility for seniors, the government designed the plans in a way that even the limited income-earning community can enjoy the benefits. You can avail both state as well as government programs to cover your premiums of Part B along with coinsurance, copayments and deductibles amounts. In fact, the Part D prescription drug program is created with an income-based program in order to reduce the expense of medications.

And if you are lucky enough to get qualified for both Medicaid & Medicare, you can sign up in a special Medicare Advantage plan which offers coverage for all your health care requirements such as prescription drug without any monthly premiums.




If you own coverage for the employer, you will be pretty much aware that the insurance holder is bound to go along with whatever the insurance company provides in terms of healthcare insurance. No matter if your coverage is benefitting or not, your options will be restricted by your employer.

But let us assure you that Medicare is entirely different. Often people stay with their Original Medicare, while 35% of people who select Medicare Advantage do have about 21 total plans to pick from. In simpler words, the recipient is not bound with a different person’s idea and you will be free to pick your coverage depending on what’ is suitable for your requirements and situation.

Also, you won’t be stuck with your selection for many years. At some point when you unhappy with your plan, you will still have an option to switch to another coverage.

Also Read: In-Depth Comparison of Medicare Insurance


  • Medigap


When you purchase a Medigap or Supplement Plan, you will get 1st dollar coverage on all your healthcare expenses which means you will spend nearly nothing while you want medical care.

  • Medicare Advantage

Medicare Advantage

With Medicare Advantage plan, you can effortlessly control your healthcare expenses. Most of these plans only have one deductible. Also, despite of spending a percentage of the fees in Part B, many plans under Medicare Advantage utilize a set copayment.

Every Medicare Advantage plan has a fixed out-of-pocket limitation set by the government every year, however, most of the plans have limitations below the federal amount. This means you will never have to spend more than your plan limits every year regardless of how much healthcare you want.

Also Read: Difference Between Medicare And Medicaid



Medicare serves numerous benefits for your preventive care, no matter you select Medicare Advantage or Original Medicare. Medicare periodically reviews their recipient’s suggestions for their wellness as well as preventive care. After reviewing, they adjust coverage appropriately which directly allows you to access the immunizations, tests, and screenings that you require to stay healthy.

Now, Medicare Advantage plans are offering many fresh benefits with a primary objective to keep seniors healthy and safe at their home. There are many new benefits including in-home meal delivery, non-medical transportation and expanded coverage for telehealth services.  

Also Read: How to Compare Medicare Advantage Plan?

There are also home healthcare benefits that include allowances for home safety devices & equipment, home-making services, and custodial care along with caregiver benefits such as respite care.

So now you will be clear which way to take for your Medicare coverage and even how to pick a suitable plan to fulfill your requirement.

For Sure, you will end up loving your Medicare Plan!!!


Best Medicare Advantage Plans For 2020

Talking about Medicare, older communities have enough options. Medicare Advantage Plan is one of those options.

You can acquire Medicare Advantage plans from any private insurance company. Firstly, let’s know about the Top 3 Medicare Advantage providers:


1) Aetna Medicare Advantage Plans

The Aetna Medicare Advantage plans rank this list because it is known to be one of the best health insurance providers in the entire world.

These plans under Aetna includes options such as PPO or HMO, low/zero premiums and many additional benefits. As a recipient, you can select a plan that suits you & fulfill your requirements as well.

Also Read: Difference Between Medicare And Medicaid

Aetna offers many options for helping you to stay healthy. They also provide vision & hearing check-ups, yearly wellness visits & prescription drug coverage. And in case someone needs discounts for fitness centers, then he/she can select a plan including that particular option.

Aetna also has a large network of hospitals, doctors & various other benefits. In case, anyone has to see more than a doctor, then Aetna is definitely the appropriate plan for them.

2) Humana Medicare Advantage Plans 2020

Not only Humana is serving Medicare Advantage Plans for over 20 years, but they consist of more than 7 million Medicare members. Humana Medicare Advantage plans is well known for providing a minimum out-of-pocket expenses.

If you can find this plan in your location, then the most you will pay on coinsurances & copayments for a year will be $ 2,200.

Do you bear a lot of health care expenses? If yes, then the plans under Humana will be perfect for you. Most of the Humana Medicare Advantage plans serve you with extra benefits as well as resources to maintain your good health and fortune.

Many Advantage plans also include fitness programs & also offer accessibility to a 24/7 nurse advice line, convenient mail-order pharmacy services and 13,000 fitness centers.

Plus, Silver Sneakers also provide access to exercise classes & gyms across the United States, without any membership fees.

Also Read: 5 Health Insurance Plans You Must Know About!


Founded in 1792, Cigna is not only a long-time standing company but also is rated A.

Cigna understands that a single size does not fit for all especially when it is about Medicare requirements & plans. That’s why Cigna serves numerous plan options such as Special Needs Plans.

Cigna also offers special needs plans exclusively for those in skilled nursing care or nursing homes, or those suffering from cardiovascular issues & diabetes and benefits for people owning Medicaid & Medicare.

All these plans are genuine alternatives to Medicare. You don’t need to worry about anything when you have an advantage plan as the plan will be accountable for all your claims.

When you visit your doctor, the Medicare Advantage Plan ID card will be considered as your primary card for Medicare.

All of the above-discussed plans normally include Part D that will keep a track of your health easily. A few of these plans also include advantages such as silver sneakers fitness programs, routine dental, and routine eye care.

So, choose a Medicare Advantage plan which can be an appropriate alternative for your Medicare!!!


Top 5 Medicare Plans of 2020

Before knowing about the Top 5 Medicare Plans, you should clearly understand that every Medicare plan depends on the health goals of the recipients & what did they expect out from their health plan.

However, in the process of choosing a perfect Medicare plan, you are not alone. We are here to help you!!!


Are you fit for Medicare? If yes, here are some options for you:


PART A majorly covers for the following expenses:

  • Hospital care
  • Hospice care
  • Home health care
  • Skilled nursing facility (SNF) care

Also Read: Best Medicare Advantage Plans For 2020

Part A functions differently in every above-mentioned situation. 

You should meet two main requirements to be qualified for Medicare Part A:

  • You should 65 or above.
  • You have acquired disability benefits for at least 25 or more months.


PART A majorly covers for the following expenses:

  • Some medications like shots administered at the doctor’s office
  • Durable medical equipment like wheelchairs & medical braces
  • Emergency & ambulance services
  • Lab testing like medically necessary blood work
  • Mental health visits like therapy, family counseling & depression screening
  • Doctor visits: both PCPs (Primary Care Physicians) & specialists

Sadly, Part B does not cover for most of the services that are normally covered by plans under employer-sponsored health insurance.

Also Read: Best and Rest Rated Medicare Advantage Plans

Part B premiums by income (2019)

Individual income Married income (filed jointly) Married income (filed separately) Monthly premium
$87K or less $174K or less $87K or less $144.60 (standard premium)
$87,001–$109,000 $174,001–$218,000 N/A $202.40
$109,001–$136,000 $218,001–$272,000 N/A $289.20
$136,001–$163,000 $272,001–$326,000 N/A $376.00
$163,001–$499,999 $326,001–$749,999 $87,001–$412,999 $462.70
$500K or more $750K or more $413K or more $491.60

You should meet the main requirements to be qualified for Medicare Part A:

  • Aged 65
  • Completed the 25th month on disability
  • Began dialysis treatment for (ESRD end-stage renal disease)
  • Acquired an (ALS amyotrophic lateral sclerosis) diagnosis


Part D of Medicare is the only way to increase prescription drug benefits to Medicare coverage. These are federally monitored plans sold by private insurance companies & in most cases, there used to be many choices to select from.

Also Read: Medicare 101: Which Part Is Best For You? 

4) Medicare Advantage Plan

Medicare Advantage Plan is the same as the employer-sponsored health insurance plan. The recipient has to select a company as well as a plan that best fits his/her needs.

In exchange for your monthly premium, a portion will be paid by the insurance company that covers your healthcare expenses. Many plans pay for various other services as well as prescription drug coverage, dental and vision.

Different types of Medicare Advantage plan are as follows:

  • HMO Point-of-Service (HMO-POS)
  • Private Fee-for-Service (PFFS)
  • Preferred Provider Organization (PPO)
  • Health Maintenance Organization (HMO)

5) Medigap Plan

Medigap Plan offers an exceptional option for those who like the government-run Medicare program along with some additional expense coverage. Plans under Medigap helps to cover expenses that Original Medicare does not, such as coinsurance deductibles and copayments.

Also Read: Difference Between Medicare And Medicaid

Normally, the extra coverage means a high cost. However, the prices may also differ based on the insurance company, the area from where the recipient belongs and how many other individuals are on the same plan in your location.

These are the Top 5 Medicare Plans of 2020.

Reach out to a licensed sales agent today and choose a suitable plan for yourself!!!


Choose Top Rated Medicare Plans For You

Top Rated Medicare Plans: You can find a number of different Medicare policies provided by many insurance companies across the U.S.

Millions of Americans acquire benefit of the Medicare services rendered to them after they become 65 years old (or else they have any disability or have an end-stage renal failure), & not everyone gets the exact similar benefits.

Top Rated Medicare Plans

Do you know that Medicare 5-star plans are known to be the highest rated? Hence, they should be mandatorily taken into consideration while you search.

Also Read: In-Depth Comparison of Medicare Insurance

Plans under Medicare are rated to primarily help aged customers to understand how much funds they can save or how excellent are the services offered or the quality of service, and various other major elements are considered to decide which Medicare plan is perfect for them.

The best-rated plans are basically known as 5-star plans and you will be amused to know that only a few best-rated plans used to be available every year.  

We will help you to understand the different types of Medicare as well as to know which types actually are called top-rated plans:

Which Medicare Plans Are Rated?

Medicare Plans

As you all know, Medicare has four major parts namely A, B, C, and D. However, you should know that not every part acquires a rating.

Parts A & B are believed to be similar for everyone out there. Every individual with parts A & B acquires the same coverage including doctor’s visits, in-patient services, and hospital stays. The coverage also includes medical equipment along with small changes based on your area & the type of services you are availed. Considering all these reasons, parts A & B of Medicare are not given any rating.

On the other hand, Medicare parts C and D are given a rating because both of these are the major parts of Medicare in which people reach out to private insurance companies to discover a suitable plan for them. Both plans can broadly vary.

Also Read: Everything About Medicare F Plans

Let’s discuss more about the rated Medicare Plans:


The plans under Part C are also called Medicare Advantage Plans. These plans can be availed from private insurance companies that are certified by Medicare.

They normally provide coverage for everything that Medicare A & B do. However, they also serve dental & vision, prescription drug coverage, and many other services that are not covered under Medicare parts A & B.

HMO (Health Management Organization) plans & PPO (Preferred Provider Organization) are the most famous Advantage plans provided by a private insurer.

Also Read: Top 5 Medicare Plans of 2020


The plans under Part D provide coverage for prescription medication. People also acquire prescription coverage through a Part D plan.

The government does not provide prescription plans, however, all these plans are given out to the private insurer, who sold you the plan.

The monthly premiums of these plans extend from $ 0 to around a couple hundred dollars along with different deductibles also.

Also Read: Medicare 101: Which Part Is Best For You

Why Are Medical Plans Rated?

Medicare plans are given rates to help the healthcare providers as well as private insurers in check. Although every company offering Part C & D should be certified by Medicare. The rating system also permits customers to acquire a clear reporting of how much they are paying for what type of coverage.

So, are you clear about all the rated Medicare plans? If yes, without wasting more time, go and grab one for you today!!!


Things You Should Know About Medicare Enrollment 2020

Like every year, Medicare Open Enrollment 2020 started from October 15 and will run till December 7.

During this time, Medicare beneficiaries across the U.S. calculate their present coverage & then make certain modifications which affect their healthcare expenses & also the coverage starting in the month of January (of the next year).

Also Read: Health Insurance Lost? Here’s What You Should Do

Do you want to make some changes to your existing coverage or else just need to grasp more knowledge about the enrollment period? If yes, keep reading and do not miss any information!!

So, What is Medicare Open Enrollment?

Medicare Open Enrollment

Also termed as the Annual Enrollment Period, or AEP, Medicare Open Enrollment is a period in which a recipient can do some changes to his/her current Medicare coverage.

  • You can change your Original Medicare– Parts A and B, to Medicare Advantage and also vice versa.
  • You can switch from one Medicare Advantage plan to any other plan.
  • You can add as well as change your plans under Medicare prescription drug.

Also Read: Doctors Not Accepting Your Medicare? Here’s What You Can Do

Some Additional Information About Medical Open Enrollment 2020

The Medicare program modifies a little bit every year. You should definitely know what all are new in the year 2020 that could favour you to explore numerous options that you can acquire during 2020’s Open Enrollment.


Both Plan F and C won’t fade away completely but do note that the Centres for Medicare & Medicaid won’t permit fresh Medicare recipients to sign up to Plan F and C.


At the beginning of 2020, Part D’s coverage gap will not continue anymore.


Every year, providers do minute changes to the Medicare Advantage & Part D plans. Normally, there used to be various changes including changes in deductibles, premiums, and many other expenses as well. Always remember that these changes are finalized only before fall Open Enrollment.

Is It Necessary To Revive Your Current Plan?

Are you satisfied with your present Medicare coverage? If yes, then you don’t have to be worried about anything at the time of Medicare Open Enrollment.

Also Read: Choose Top Rated Medicare Plans For You

However, you can Open Enrollment pass to be 100% sure. Do the following two points to advance your current Medicare coverage:


In case, your plan won’t be continuing next year then you will be sent a notice via mail. And by any chance, you omit the notice & fail to sign up in any other coverage then gradually you can lose your coverage as well.

On the other hand, if your plan will continue in the next year then you will receive an mail, i.e., an Annual Notice of Change (ANOC), by your insurer. Study your ANOC thoroughly to confirm that your plan will meet your requirements in the following year. And if not, then my friend it is high time to switch to other options.


Regardless of what you think about your present plan, it is a good thought to do some shopping during Open Enrollment. After all, plans & premiums change yearly and what if you will find an option that can suit your situation comparatively better than your present coverage. So if you do not inspect, you will never know about them!!

A Very Important Point To Remember

It is a common query that if anybody enrolls for a Medicare Advantage plan at the time of Medicare Open Enrollment & later on if their requirements change, will they have to wait for the next fall to change their plans?

Well, the answer is “No”!!

In the year 2019, the Medicare program started the Medicare Advantage Open Enrollment Period (MAOEP).

Also Read: Everything About Medicare F Plans

MAOE period starts from January 1 to March 31. At this time, recipients can make changes to their Medicare Advantage plans or can shift back to their Original Medicare. However, the recipient should have the Medicare Advantage to utilize this period. An individual who begins the year with Original Medicare cannot utilize this enrollment period.

So get ready for the Medicare Open Enrollment 2020. Analyze every option and sign up for the best plan.

Time may fly away! Hence, do not miss out on the options you have!!!


Everything About Medicare F Plans

Everyone is in a search of that one plan that can pay off most of the out-pocket expenses of Medicare. If you are also one of those, “Your Search is Over”!! Using Medicare Supplement Plan F, you can easily pay nearly all of the expenses, however, the plan is exclusively available for some qualified people only. 


Here, we will provide a complete and clear picture of Medicare Plan F. 

Firstly, let us know what the Medicare Plan F is?

Medicare Plan F is designed to help you to meet your out of pocket expenses that are not covered under Medicare Part A and B. It is one of the standardized Medigap plans which means that these plans are particularly created to provide the same services as Part A and B.

Read More: How to Compare Medicare Advantage Plan?

What All Plan F Covers?

Medicare Supplement Plan F is known to be the exclusive plan that provides coverage of every Medicare Supplement plan benefits.

Know about all the benefits under Plan F with the help of the table given below. “Yes” indicates that Medicare Supplement Plan F does cover a hundred percent of the respective benefit.

Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits are used up Yes If a person is admitted to a hospital beyond 90 days, he/she will have to pay $682 in coinsurance for every lifetime reserve coverage day they have. Their Medicare benefits will be then used up when he/she runs out of their lifetime reserve days and at that time their Medicare Plan F benefits start.
Part B coinsurance or copayment Yes This particular benefit favours to pay a share of the expense for the covered medical services and that is normally 20 percent of the person’s Medicare-approved amount.
Blood: first 3 pints Yes This particular benefit provides coverage for the provider or hospital expenses.
Part A hospice care coinsurance or copayment Yes Well, this will help you to pay the 5% coinsurance of your Medicare-approved amount and avail inpatient respite service and/or a copayment of around $ 5 for every prescription & various pain relief products that you acquire while being under the hospice care.
Skilled nursing facility (SNF) care coinsurance Yes This particular benefit will help you to pay your coinsurance amount for days 21-100 of SNF care that is around $170.50/day for every benefit period.
Part A deductible Yes This plan will pay for your deductible of Part A hospital insurance that is around $1,364 (in 2019) for every benefit period.
Part B deductible Yes This plan provides coverage for the annual deductible of Part B medical insurance that is $185 (in 2019).
Part B excess charge Yes Some providers do not accept the Medicare-approved amount for service coverage and that is why a full payment will charge you more. Medicare Supplement Plan F is a unique plan that provide coverage for this charge.
Foreign travel exchange up to plan limits 80% This benefit comes with a lifetime limit of about $ 50,000 that will help you to pay the expense for some emergency care that you acquire outside the United States after you pay an annual deductible of $250.
Out-of-pocket limit N/A Few of the Medigap plans are also designed with an annual out-of-pocket limit which you must pay off before your plan starts to pay all your expenses for covered services. But this is not applicable in the Medigap Plan F.

Medicare Plan F Plans Rates

Medicare Plan F normally has a high premium out of all other Medigap plans as it offers the most coverage to you. But the premium can be low than other plans when the recipient selects a high-deductible Plan F.

 Plan F Monthly Premium (2018) for 65-Year-Old Male are as follows:

Fort Worth, TX $180 $149
Los Angeles, CA $190 $169
Miami, FL $336 $275

Now you have a comprehensive picture of the Medicare Plan F and this will definitely help you to decide whether you need/need not enroll and avail benefits of Plan F!



In-Depth Comparison of Medicare Insurance

Medicare is a program funded by the government providing millions of Americans with coverage for their health care expenses. However, Medicare is not at all free. Like most of the health insurance, recipients of Medicare also pay deductibles, premiums, and many other costs.

Do you know about all the plans under Medicare? If not, you should definitely grasp complete knowledge about them with the help of this in-depth comparison:


1) Monthly Premiums & Deductibles Of Medicare Part A

Part A provides coverage when a person is in the hospital or a skilled nursing service and some other situations also.

Payroll taxes paid Monthly premium Deductible
40+ quarters $0 $1,408
30–39 quarters $252 $1,408
0–29 quarters $458 $1,408

Unlike other coverages, the deductible of Part A functions in a different way. Despite resetting yearly, Part A deductible reset after every benefit period.

2) Annual Deductibles & Monthly Premiums Of Medicare Part B

Part B provides coverage for nearly all the regular health care expenses like durable medical equipment, doctor visits, and lab work.

All recipients compensate the same deductible for Medicare Part B. While many people pay a standard premium of $144.60 in the year 2020, people also pay extra for the same coverage if they make beyond $87,000 (or $174,000, if you’re married) yearly.

Income (individual) Monthly premium Annual deductible
$87,000 or less $144.60 $185
$87,001–$109,000 $202.40 $185
$109,001–$136,000 $289.20 $185
$136,001–$163,000 $376.00 $185
$163,001–$499,999 $462.70 $185
$500,000 or more $491.60 $185

Also, a married individual’s income can affect his/her premiums of Part B, no matter the couple file their tax separately or jointly.


3) Annual Deductibles & Monthly Premiums Of Medicare Part B

Medicare Advantage or Part C is a combination of Part A and Part B along with extra benefits that may also vary from plan to plan. Also, premiums & deductibles of Medicare Advantage are also different by area, plan, and insurer.

In 2020, the average premium of Medicare Advantage is $23. However, a few of the Medicare Advantage plans provide $0 premiums as well. Also, if you belong to an unusually competitive area (For example, a big city that is home to a lot of Medicare recipients), you can discover a plan with a payback on the premiums of your plan.

4) Annual Deductibles & Monthly Premiums Of Medicare Part D

Part D is exclusive Medicare Prescription Drug Coverage. Alike Medicare Advantage, plans under Part D are catered by private insurers which particularly means that deductible & premiums will definitely differ by area & plan. In 2020, the average premium of Part D plan is about $30.

The total monthly premium can be high when a person makes beyond $87,000 per annum. 

Beneficiaries under high-income will also have to pay an extra $12 to $77 along with their monthly premium.

5) Annual Deductibles & Monthly Premiums Of Medicare Part D

Plans under Medicare Supplement or Medigap help recipients to pay expenses related to their Medicare Parts A & B and also pays off the deductibles for both Part A & Part B (in a few plans). Medigap plans do not have any deductible.

However, you will have to compensate a premium and the payment is completely based on the plan you signed up into, the area you live & also the insurance company you selected. The premium of Medigap also depends on the recipient’s health.

Did you now get a clear picture of Medicare Plans? If yes, go choose the best deal for you today!!


How to Compare Medicare Advantage Plan?

Medicare Advantage Plan and employer-sponsored health insurance policy are somewhat similar. You have to select a company & the best-fitted plan for your needs. The insurance company will pay a part of your healthcare coverage expense when you pay your monthly premium. Most of the plans under Medicare Advantage also cover various other services like prescription drug coverage, vision, and dental.

Also Read: Here’s How You Can Save Money On Drugs

We know that it is not always easy to select a plan for yourself out of so many other options. It is actually critical when you want to acquire low premium but end up with a high “out of pocket” costs. Specifically, there is no “best” plan under Medicare Advantage as a Medicare beneficiary’ needs used to differ. Hence, we will help you with a list of points to take in consideration while selecting the suitable plan for yourself:


Points to Remember While Choosing the Best Medicare Advantage

  1. Understand each Medicare Advantage Plans carefully
  2. Study about your present coverage requirements as if you need to continue with the current doctor or prescription drugs.
  3. Do a comparison of all the available plans in your area.

Also Read: Things You Should Know About Medicare Enrolment 2020

5 Major Points To Remember While Choosing The Best Medicare Advantage

1) What kind of Medicare Advantage Plan do you need?

Before selecting the best Medicare Advantage plan, take some extra time to understand every option thoroughly.

Following are different types of Medicare Advantage plans:

  • Health Maintenance Organization (HMO) – Recipient is bound to stay in a network of insurance providers.
  • Preferred Provider Organization (PPO)– Recipients can acquire out-of-network service but then they will have to pay a high cost.
  • Private Fee-for-Service (PFFS)– Under this plan, you will not have the access to any network & you’ll also have to analyze with every provider to know whether they’ll accept your policy for the particular service you will acquire.
  • HMO Point-of-Service (HMO-POS)– This plan is similar to an HMO. But it includes the benefit to get outside the network at a high cost and find a provider who will accept the Medicare.

Well, after understanding all the types of coverage, start examining your coverage requirements.

Also Read: Medicare Advantage Plans 2020

2) Do You Need Any Prescription Drugs?

Many of the Medicare Advantage plans consists Medicare prescription drug coverage. However, types of medication covered & the total cost differs. Write down your medications in a list & refer it when you will compare the plans.

3) Do You Wish To Continue With Your Present Doctor?

A few people maintain a good relationship with their specialists or PCP (primary care physician). However, most of the plans under Medicare Advantage need that the recipient visit specialists within the specified plan’s network. 

Therefore, select a plan that will let you move out of your network without any restriction.

4) How Frequently Do You Require Healthcare Services?

While choosing a plan under Medicare Advantage, you should examine what is your expected usage of the Medicare benefits.

5) Which Benefit Matter The Most To You?

Do you know Original Medicare does not provide coverage for benefits like dental & vision? However, many plans under Medicare Advantage do cover them.

Therefore, prepare a list including all the benefits & services that you need your MA plan to provide coverage for.

Also Read: Do You Know About Medicare Advantage Health Plans

Compare Medicare Advantage Plan

After you figure out your healthcare requirements, the very next thing you need to do is to begin comparing all the Medicare Advantage plans.

Never choose an MA plan without proper research and comparison!!!


Medicare Advantage Plans for You

Most well-known Medicare Advantage plans are Health Maintenance Organizations (HMOs) & Preferred Provider Organizations (PPOs). If you don’t know about Medicare Advantage Plans, we are here to explain to you about all the plans under Medicare Advantage:  


1) HMO and PPO

Both HMOs & PPOs advantage plans are served by private insurance providers rather than the federal Medicare program. A major dissimilarity between the HMO plan and PPO plan is the extent of liberty to get outside a chain of healthcare companies to acquire care.

With the HMO plan, one should stay in the chain if he/she needs the insurance provider to provide coverage for health care costs. And with the PPO plan, an individual is free to get outside the chain but he/she would probably have to pay more.

Also Read: Do You Know About Medicare Advantage Health Plans


Private Fee-for-service somewhat works like Original Medicare as you can know about the suppliers who negotiate to acquire your insurance. Suppliers are not bound to acquire the insurance, but, you will require to own a written approval before every service & the risk that is being stuck with any bill.

The plans under PFFS are the 3rd most well-known Medicare Advantage plans available in the year 2019.


A plan under HMO-POS is somewhat familiar to a regular HMO as you will have access to a network of suppliers & will need a reference from the primary care physician to visit a specialist.

But, HMO-POS plans serve an option to get outside the network to meet a provider who acquires Medicare, only if you would like to.

Also Read: Affordable Care Act: Everything You Must Know 


The plans under Special Needs focus to utilize health for people in distinct situations. Special Needs Plans are provided to 3 types of people:

  • Dual eligible can easily sign up to a D-SNP. (those who are eligible for both Medicaid & Medicare)
  • Individuals with any chronic conditions like ESRD (end-stage renal disease) or diabetes can sign up in a C-SNP.
  • Individuals living in an institution like a mental institution or nursing home can also sign up in an I-SNP.


Medical Savings Account is somewhere the same as the Health Savings Accounts (HSAs). It is generally combined with a higher-deductible policy and also these accounts have the additional benefits of tax-sheltered savings account that you can utilize for your medical costs.

Also Read: Do You Know About AARP?


Cost plans might be rare but they are truly versatile. They consist of a network. However, if you acquire treatment out of that specific network, you will still gain coverage under Original Medicare but only if your provider obtains Medicare.

So, are you clear about the Medicare Advantage Plans? If yes, then go search plans in your place and enroll today!!!