Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
It depends on your needs, budget, and preferences. I would recommend consulting with an independent Medigap broker who can work with you on a personal level and help you evaluate your options.
If you want to create a very well-controlled, predictable healthcare expense structure where you don't have to worry about receiving massive medical bills, you may want to consider buying a Medigap plan (most likely a Medigap Plan F or Plan G).
The premiums for Medigap plans are typically a little higher than a Medicare Advantage plan, but they feature much broader coverage.
Medigap plans are guaranteed renewable and are standardized (meaning a given Medigap plan features the same benefits regardless of the carrier you have it through - a plan F from company ABC is the same plan F from company XYZ). They also have no networks, meaning you can go to any doctor you want that accepts Medicare (the vast majority do these days and you can check to see if a doctor in your area does using a physician finder tool on Medicare's website, Medicare.gov). As far as services go, if your doctor accepts Medicare, then they have to accept your Medigap plan as well.
I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage needs, including quotes and plan comparisons, and if you have any other questions. Thanks very much.
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If you want to create a very well-controlled, predictable healthcare expense structure where you don't have to worry about receiving massive medical bills, you may want to consider buying a Medigap plan (most likely a Medigap Plan F or Plan G).
The premiums for Medigap plans are typically a little higher than a Medicare Advantage plan, but they feature much broader coverage.
Medigap plans are guaranteed renewable and are standardized (meaning a given Medigap plan features the same benefits regardless of the carrier you have it through - a plan F from company ABC is the same plan F from company XYZ). They also have no networks, meaning you can go to any doctor you want that accepts Medicare (the vast majority do these days and you can check to see if a doctor in your area does using a physician finder tool on Medicare's website, Medicare.gov). As far as services go, if your doctor accepts Medicare, then they have to accept your Medigap plan as well.
I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage needs, including quotes and plan comparisons, and if you have any other questions. Thanks very much.