Medicare Supplements & Medicare Advantage

Medicare Supplements & Medicare Advantage | Ozaukee InsuranceAN OVERVIEW OF THE PLANS WE OFFER:

We offer many specific plans to fill your clients’ needs. An overview of the plans we offer is below.  It is not a matter of right or wrong or good or bad………it’s what works best from your individual situation.  We’ll help you through the Medicare maze so you understand the basics of Medicare and the pros and cons of both Medicare Advantage and Medicare Supplements.  Everyone receives so much paper concerning Medicare but yet still don’t understand how it works.  And how can you?  You’re not a Medicare or insurance expert and I can turn that massive amount of paperwork into plain, understandable English.

Medicare Advantage Plans

  • Help pay for hospital costs, doctor’s visits, and other medical services
  • May also include built-in Medicare prescription drug coverage (Part D) often at no additional premium
  • Typically provide additional benefits, like preventive care, that Original Medicare doesn’t cover
  • Have plan premiums not based on age or health
  • Combine all benefits and services in one plan
  • Come in several different forms:
  • A specific type of Medicare Advantage Plan is a Special Needs Plan

Special Needs Plans

Special Needs Plans have four basic types of plans designed for individuals in the following situations:

  1. Diabetes
  2. Chronic Lung Disorders
  3.  Heart Failure
  4.  People on Medicaid / Medicare

Medicare Part D Plans

Medicare Part D Plans help cover the cost of your client’s prescription drugs. Here are some of the main features of a Part D plan:

  • Provide help with the cost of prescription medications
  • Are only offered through private insurance companies
  • Are usually offered two ways:
    • As a standalone plan to add coverage to Original Medicare Parts A and B and to complement a Medicare Supplement plan
    • As part of a Medicare Advantage (Part C) Plan
  • Have a specific list of approved drugs they cover (called a formulary or drug list)

Medicare Supplement Plans

A Medicare Supplement plan, also known as a Medi-Gap or Gap Plan provides additional coverage beyond original Medicare.  Some of the main features of a Medicare Supplement are there are no Doctor or Hospital Networks so you have total freedom of choice as long as the doctor or hospital accepts Medicare.  FREEDOM OF CHOICE is a feature many people find valuable especially if they travel or have specific doctors that are not In Network.  Medicare Supplements have options to choose from so each plan is tailored to your individual needs and wants.  I’ll make sure you understand your options.  I’m licensed with a number of excellent Medicare Supplement companies so you do have multiple choices.   Here are the main features these plans offer:

  • Help reduce or eliminate money paid out of pocket for care received (deductibles, co-pays, and coinsurance)
  • Standardized plans that have a choice of options – we’ll make sure you understand each choice
  • FREEDOM of CHOICE in choosing your doctors


Confused about Medicare?  Watch this short video by Medicare Made Clear.