Medicare Products Offered

My Medicare Choices

Medicare Supplement & Medicare Advantage Plans

My Medicare Choices offers Medigap Plans that fill gaps that Medicare doesn’t. They are accepted nationwide. Medicare Advantage plans have a network of doctors who participate in your service area. Some of the plans offer out-of-network benefits.

Medicare Supplements aka Medigap

Medigap plans to fill the gaps that Medicare doesn't. Original Medicare pays for some health costs, but not all of your medical care and supplies. A Medicare supplement helps cover your remaining health care costs like copayments, coinsurance, and deductibles.

Medigap plans do not include:

  • Prescription drug plans
  • Vision
  • Dental
  • Private duty nurses
  • Long-term care

Medigap plans are accepted nationwide. You can travel and will not be out of network.

Medicare Advantage Plans aka Part C

Medicare Advantage plans help cover Part A and Part B. Most of them include prescription drug coverage, but some do not include prescription drug coverage.

Medicare Advantage plans have a network of doctors who participate in your service area. Some plans offer out-of-network benefits but usually at a higher cost to you. If you enroll in a Medicare Advantage plan:

  • Make sure your doctors are in-network
  • Make sure your prescription drugs are covered

Types of Medicare Advantage Plans

  • HMO - Health Maintenance Organization
  • PPO - Preferred Provider Organization
  • PFFS - Private Fee For Service
  • Special needs plans

Benefits of Medicare Advantage Plans

  • Dental
  • Vision
  • Transportation
  • Home health care
My Medicare Choices

Prescriptions

Stand-alone prescription drug coverage. This can be purchased through various private insurance companies and is an option for people who are using:

  • Original medicare
  • Supplemental plans (Medi-gap Plans)
  • Cost plans
  • Private Fee For Service Plans (PFFS)
  • Medical savings accounts