Option 1

Option 2

Medicare provides this coverage. Part B is optional and requires payment of a monthly premium. Recipient has a choice of doctors.

Costs may be higher than those associated with a Medicare Advantage Plan.

Combines Part A and Part B into a single plan offered by private insurance companies approved by Medicare.

Insureds must generally see doctors in the plan.

Costs may be lower than those associated with original Medicare and the insured may have additional benefits not available with Original Medicare.

 

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It is available through private companies approved by Medicare to administer such plans. Different plans cover different drugs. Medically necessary drugs are covered.

Although this coverage is optional, there may be a penalty if not chosen at time of Medicare eligibility.

OR

If you join a Medicare Advantage Plan, there is no need to purchase a Medigap policy.

Medicare Advantage plans are not the same a Medigap policies.

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