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Choosing A Medicare Advantage Or Medicare Supplement Plan
When turning 65 you will most likely be faced with buing either a Medicare Advantage plan or a Medicare Supplement plan. There are many factors to consider and it's not just about budget.
Many thing that a Medicare Advantage plan is the way to go because of the monthly premium, but it's not quite that simple, and here is where the insurance agent earns their money. Yes you may have a lower or no monthly premium, but your out of pocket expenses may be much higher than expected. All thoose co-pays add up and may end up being more than what you would pay for a Medicare Supplement plan that takes care of most of your co-pays.
So you have to do the math to find out how you use your insurance. For instance do you travel a lot? If you do then you will be out of network frequently and other things that will affect your overall cost to use your insurance. Another thing to consider is that Medicare Advantage is network based, so what will you do if all of a sudden your doctor is no longer in the network? With a Medicare Supplement you can go to any doctor and to the best hospitals as you need to, but you pay more for that right monthly.
The video will go into more detail about your choices and trade-offs. So take a few minutes and watch this from start to finish as Sylvia Gordon, President of Gordon Marketing lays it all out for you.
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