Medicare Advantage vs Medicare Supplement

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Medicare Supplement Plans

PROS

  • Low out-of-pocket expenses (people who purchase Plan F rarely pay for any medical expenses).
  • Visit any doctor or hospital that accepts original Medicare.
  • Guaranteed Renewable. Your policy cannot be cancelled as long as you pay the monthly premium.

CONS

  • More expensive than Medicare Advantage Plans on a monthly basis.
  • May not be able to enroll if you have pre-existing health conditions and are not in a guaranteed issue period.

Medicare Advantage Plans

PROS

  • Low Monthly Premium
  • Only need to answer one health question (Do you have End Stage Renal Disease?)
  • May offer additional benefits such as vision, dental, and hearing.

CONS

  • Your doctors & hospitals may not accept the plan
  • Can have high co-payments for medical services
  • Funding cuts may increase premiums and decrease benefits in the future.