Medicare Advantage VS Medicare Supplements (Medigap)

• Medicare Advantage plans offer coverage with little or no monthly premiums. In some instances the client can actually receive money back every month!

• When a client enrolls in a Medicare Advantage plan they are still part of the Medicare Program and retain all of their Medicare rights and protections.

• When joining a Medicare Advantage plan a client will continue to receive all their regular Medicare-covered services. With Medicare Advantage the client will also have access to additional services that neither Medicare Supplements nor Original Medicare can provide.

• Medicare Advantage plans can offer prescription drug coverage whereas Medicare Supplements do not.

• Medicare Supplement premiums continue to rise while the commissions continue to shrink. At the same time most Medicare Advantage premiums are at or near $0.

• Medical providers may or may not accept some Medicare Advantage plans. Agent and clients need to check with the client’s doctor prior to purchasing a Private Fee for Service (PFFS) plan. Some Medicare Advantage plans may have a published network of providers. Whereas most Medicare Supplements are universally accepted.

• Medicare Advantage plans require annual certification and strongly enforced marketing practices. Most Medicare Supplements are free of certification requirements and have less strict marketing guidelines.

• With a Medicare Supplement the client must pay a premium whether they use it or not! With a Medicare Advantage plan the client only makes a small co-pay when they use the services.

• With a Medicare Advantage plan the client only has to answer ONE health question; Do you have End-Stage Renal Disease (Kidney Failure)? Medicare Supplements may have multiple health questions.

Now as a top agent can you imagine how you can help your clients with their other product needs after you have freed up $1500-$2000 per person in a household? Up to $4,000 per couple?

AGENT USE ONLY. Not for use with the public.