If you or a loved one need help understanding your Medicare coverage options, call 786-222-7028 today.

We are Licensed Independent Insurance Agents based in Southwest Florida and are contracted with mulptiple different Insurance companies that offer Medicare plans. These Medicare plans are offered locally and throughout the state with local and/or Nationwide coverage. We can guide you through the Medicare maze and help you enroll in the Medicare plan that is the best fit for you.

Medicare Advantage vs. Original Medicare: Which is Right for You?

Choosing between Medicare Advantage and Original Medicare can be a complex decision. Understanding the key differences between these two options will help you make an informed choice based on your individual needs and preferences.

Original Medicare

Original Medicare consists of Part A (hospital insurance) and Part B (medical insurance). It's a government-run program that provides coverage for a wide range of medical services.

• Part A: Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services.
• Part B: Covers doctor's visits, outpatient services, preventive care, and some durable medical equipment.

Medicare Advantage (MA)

Medicare Advantage plans are offered by private insurance companies and combine Parts A and B of Original Medicare. They often include additional benefits not covered by Original Medicare, such as prescription drug coverage (Part D), vision, dental, and hearing coverage.

Key Differences Between Medicare Advantage and Original Medicare

• Network of Providers: MA plans have a limited network of doctors and hospitals. Original Medicare allows you to see any doctor or hospital that accepts Medicare.
• Premiums: MA plans may have lower premiums than Original Medicare, but they may also have higher copays and deductibles.
• Additional Benefits: MA plans often offer additional benefits that Original Medicare does not, such as gym memberships or transportation assistance.
• Cost-Sharing: MA plans may have different cost-sharing rules than Original Medicare.
• Appeals Process: The appeals process for MA plans may be different than for Original Medicare.

Choosing the Right Plan

The best Medicare plan for you depends on your individual needs and circumstances. Consider the following factors when making your decision:

• Your health status: If you have chronic health conditions, a Medicare Advantage plan with a strong network of specialists may be beneficial.
• Your budget: Compare the premiums, copays, and deductibles for both Original Medicare and MA plans.
• Your lifestyle: If you travel frequently or prefer to see out-of-network providers, Original Medicare may be a better option.
• Your preferences: Consider the additional benefits offered by MA plans and decide if they are important to you.

Getting Help with Medicare

If you're unsure which Medicare plan is right for you, you can consult with a Medicare specialist or use online resources to compare plans. The Medicare.gov website provides valuable information and tools to help you make informed decisions.

By understanding the differences between Medicare Advantage and Original Medicare, you can choose the plan that best meets your healthcare needs and budget.