W hich Medicare Supplement Plan

Should I Choose?
HOMEWHICH MEDICARE SUPPLEMENT PLAN SHOULD I CHOOSE?
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W hich Medicare Supplement Plan Should I Choose?

We like options, and so do you. Luckily, Medicare Supplements Plans each offer different benefits
with various out of pocket costs to the consumer. Plans A ? N each have different levels of co-pays,
deductibles, and more. (Notice that MediGap ?Plans? are different than ?Parts? of Medicare)

Which Medicare Supplement Plan Should I Choose?

1. M edicar e Su pplem en t Plan s w er e st an dar dized in 1990, m ean in g t h at t h e plan s m u st
f ollow f eder al an d st at e law s t o pr ot ect t h e con su m er . The level of benefits offered
within a single standardized plan does not vary from one insurance company to another. In
other words, a Plan F through company X offers the same benefits as a Plan F through
company Y ? but the monthly plan premiums between companies may vary.
2. Wh ile all plan s of t h e sam e let t er of f er t h e sam e ben ef it s, plan s of dif f er en t let t er s
ver y in t h e am ou n t paid by t h e con su m er in co-pays, dedu ct ibles, an d ou t of pock et
cost s var ies. As you can see in the chart below, Plans F and G offer more coverage (and
therefore lower out of pocket costs) than Plans A and B. You can also see that many
MediGap plans greatly reduce and often eliminate out of pocket costs. So when you use
your MediGap insurance, you often leave your physician?s office without paying a dime!
3. Th er e ar e 10 M ediGap Plan s (let t er ed Plan s A-D, F, G, K-N) t o select f r om in each st at e,
an d var iou s in su r an ce car r ier s of f er t h ese plan s in each st at e. In order to enroll in a
Medicare Supplement plan, you must be (and stay) enrolled in Medicare Part A and Part B,
also known as Original Medicare. Remember, Medicare Supplement, or MediGap, Plans fill
the gaps in Original Medicare?s coverage, so you can have the independence a
comprehensive health plan can provide!Choosing a MediGap plan should not be based on
premium price alone! There are many more factors to consider and the help of an Agent
can ensure you select the right plan the first time. USA Medicare Advisors will ensure you
select a plan that meets your coverage and stays within your budget. We?ll also let you know
why the most popular Plan may not save you the most money!

You Cou l d Save Th ou san ds In Ben efits Over You r Lifetim e W ith Pr ofession al Kn owl edge. Cal l Today.