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Difference between Medicare advantage plans and medigap plans especially Medigap Plan F.
Medicare advantage plans can without a doubt lower your monthly spending if you are HEALTHY! If you notice the key to that sentence is if you are healthy. Medicare Supplements are very popular with doctors because they pay their bills on time and they don't argue the cost, because they can't. Lets take a look at the comparison between the Blue Cross Medicare Advantage plan in Pennsylvania and the Aetna Medicare Supplement Plan F.
One advantage plan from Blue Cross (HMO) has a zero premium. The out of pocket cost for the year could possibly be over $6500 for a year. It may cost you $20 for a doctor visit or $200 per day in the hospital etc etc. The point is it is $0 for the premium which gets everyone excited, but if you need to get a surgery done in December, it could cost you $6000 out of pocket. Also, the hospital may or may not take the Medicare Blue Cross Advantage plan. The Advantage Plan from Blue Cross that is "0″ premium is an HMO plan and some hospitals and doctors won't take it.
The Medicare supplement plan F from Aetna is a Medigap plan that could cost around $150-$200 a month premium depending on if your a Male or Female, what zip code you live in etc. The difference is, the out of pocket cost for Medicare approved procedures is "0″. Also, any hospital that excepts Medicare has to except the Medigap plan F from Aetna. Also, this Medigap supplement Plan F could be from any company including, KSKJ life, Family Life, Mutual of Omaha, New Era, ANTEX, AARP, etc etc. The out of pocket cost is going to be your premium not copays and deductibles.
The bottom line is do you want to pay in the front or in the back. Do you want to pay a zero premium and pay deductibles and copays, or do you want zero deductibles and copays with a higher premium. Your going to pay either way. Put your zip code into Medigaplist and we can give you the best Medigap rates possible. We have a list of Medigap companies to choose from with low Medicare supplement premiums.