What is the difference between Medicare Supplements and a Medicare Advantage Plan you ask?

medicare-advantage-vs-medicare-supplement-healthtnWhat is the difference between Medicare Supplements and a Medicare Advantage Plan you ask? Medicare Supplements are guaranteed renewable. They don’t change from year to year, like a Medicare Advantage Plan can do. Supplements are secondary to Medicare, meaning original Medicare, Parts A & B, are your primary coverage and the supplement picks up where Medicare leaves off, depending on what Plan you have. There are many choices, Plan F being the most comprehensive supplement plan. Our clients typically go with either Plan F or Plan N, depending on their needs.

There are many other differences between the two plan types, but here’s a few of them:

Medicare Supplements  

  • Guaranteed Renewable
  • Always has some premium cost 
  • You can go to any doctor that takes Medicare, in the entire country 
  • You need to add a Stand Alone Drug Plan – Part D 

Medicare Advantage Plans

  • Guaranteed until Dec 31st of the year you are signed up for 
  • Often is less expensive, low premiums or $0 cost 
  • You have to stay in the PPO or HMO network (Santa Clara County only has HMO’s) 
  • Part D Drug Plan is included in the HMO (for most plans)

If you haven’t reviewed your plan since you originally enrolled into Medicare, you should definitely do a review and make sure what you have isn’t costing you more than necessary.  Feel free to give our office a call to do this plan review with you.  We can be reached at 408-848-2271 or email michele@mcinsuranceservices.com.  There is no cost for our services. 


Photo: healthtn.com

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