Navigating the world of Medicare can feel overwhelming, especially when comparing different types of coverage. Two of the most popular options are Medicare Advantage and Medigap, but while both offer supplemental support beyond original Medicare, they are not created equal.
Medicare Advantage Plans offer several key benefits that Medigap simply does not. Here is a closer look at four major perks that set Medicare Advantage apart:
- All-in-One Coverage
Unlike Medigap, which works alongside original Medicare and requires separate policies for prescription drugs, Medicare Advantage Plans often bundle everything together. That means hospital (Part A), medical (Part B), and drug coverage (Part D) are all included in a single plan.
- Built-In Savings
While Medigap typically comes with higher monthly premiums, Medicare Advantage Plans often feature lower or even $0 premiums with caps on out-of-pocket costs. Over time, these limits can result in substantial savings, especially for those who do not need constant medical care.
- Comprehensive Care
One of the lesser-known facts is that many Medicare Advantage Plans include coverage for hospice care, emergency services, and urgent care, even when traveling outside the plan’s usual network. This can be especially helpful during unexpected health events or for those who split time between states.
- Vision, Hearing, Dental
Perhaps one of the most appreciated benefits of Medicare Advantage Plans is their inclusion of services that support whole-body health, like dental cleanings, vision exams, hearing aids, fitness programs, and more. These services are typically not covered by Medigap.
At Beck Insurance Agency we are proud to serve Medicare Advantage Plans to Wauseon, OH, Archbold, OH, and Napoleon, OH, and the surrounding areas. Our Medicare Advantage Plan options offer robust, convenient coverage designed for real life needs.
Whether you are looking for a plan that bundles prescription drugs or want the peace of mind that comes with emergency and urgent care coverage, we are here to help you find the right fit! Contact us today to learn more.
