Medicare Part “D”

Is also only offered by private insurers although it must be approved by the government. Part D will either be integrated into your Part C – Medicare Advantage plan – or offered as a stand-alone Rx plan. If you decide to keep Part A and Part B you may choose a Medicare Supplement Plan that would offer more complete financial coverage for medical expenses.

Medicare Supplement Plans also known as Medigap does not cover MORE than Medicare however it does cover more of the financial costs associated with health care for individual beneficiaries who also have Medicare. Medicare Supplement Plans would provide coverage for some or all of the unpaid medical charges (Deductibles and Co-insurance) not covered by Medicare Part A and Part B. You can not get a Medicare Supplement plan with a Medicare Advantage plan. Medicare Advantage is designed as a stand-alone replacement for Part A and Part B, and Medicare Supplements are designed to “supplement” and pay the cost not paid by Medicare. I.E. the “Gap” between what Medicare pays for services and the cost a provider charges and is allowed by Medicare.

For those considering the purchase of Medicare Supplement Insurance:

Many individuals will purchased Medicare Supplemental insurance Plan N A.K.A. Medigap Plan “N” or other plans, to fill in the gaps in traditional Medicare Coverage. If you have Medicare coverage and Medicare Supplement plans seem to costly then you might want to consider Medicare Supplement Plan “N” over a Medicare Advantage plan. First, you need to sign up for Medicare Coverage Part A and Part B. Medicare supplemental Insurance may be purchased at any time, although you have a guaranteed acceptance period that last for 6 months after your enrollment in Medicare part “B”.


For information on “Open Enrollment”, “Guaranteed Issue”, and other Special Election periods (There are about 35 for Medicare Advantage Plans) Request a Medicare Insurance Consultation or info on Medicare plans and agent will guide you through the process.


Not all Medicare Supplement insurance companies offer plan N and no insurer is required to offer any plan other than plan “A” in areas where they plan to offer Medicare supplemental insurance. It is best to speak to one of our trained Medicare insurance advisors who will help you sort through the Medicare supplement insurance companies offering each plan in your area.


Medicare Supplement Insurance is offered by a number of well known Medicare Insurance providers as well as the not so well known. Blue Cross and Blue Shield offer Medigap Coverage in most areas as well as AARP Medicare Supplement Insurance. The key; regardless whether it’s Blue Cross, Blue Shield, AARP or some other provider: All similar lettered Medicare Supplement Insurance plans are identical. Medicare Supplement Plan J, Medicare Supplement Plan F, or Medicare Supplement Plan C from Blue Cross, AARP, American Continental , Genworth Medicare Supplement, Gerber Medicare Supplemental Insurance, Mutual of Omaha, United of Omaha, or any other provider they all cover the same Medicare insurance benefits. There is no difference from one provider to another.



Medicare Part A, B, C, and D


Understanding Medicare Part A, B, C, and D

Medicare can be very confusing for first timers so we’ll try to sum it up in as few words as possible. First And foremost there are four main Parts of Medicare – Part A, Part B, Part C, and Part D


Medicare Part A

Covers Hospital stays.


Medicare Part B

Covers other Medical items like Dr’s. visits, testing, and a volume of other items that are not “Hospital”.


Medicare Part C

Is the section in Medicare for “Medicare Advantage” plans which are the privatized version of Medicare “Part A” and “Part B”. Thinking of it another way – Medicare Part C=A+B, and it may or may not integrate Part D. The big difference it is offered by private insurers, not the government.

With Medicare Part C – Medicare Advantage – you are technically still enrolled in Medicare A, and B. However, all of your Medical bills are now covered by the private insurer and no longer covered by the federal government agency CMS – Center for Medicare and Medicaid Services.

What makes one plan more costly than another is driven by several factors including utilization rates (more sick people), overhead, and other admin costs. So plans with less stringent underwriting like AARP and many Blue Cross companies may get more people with higher utilization causing higher premiums for everyone. The key for healthy people or those turning 65 who are in the Medicare supplements “Open Enrollment” period is to find the plan with the lowest premium. Mutual of Omaha Medicare Supplement plans are competitive but there may be others in your area that are less expensive. Gerber Life Medicare Supplement has recently introduced Medicare Supplemental Insurance plans in 32 states. It doesn’t’ really matter if you buy Mutual of Omaha Medicare Supplement, AARP Medicare Supplement Insurance, Blue Cross Blue Shield, Gerber, or any other, the Senior Advisors Group represents them all.


The real benefit: Between your Medicare Benefits, and Medicare Supplement Insurance you will not be confined to an HMO network, no referrals, and no co-pays. (Depending on plan) The first step is to review our site and the Senior Advisors site then request a Medicare Supplement Quote. If you are still confused please request a quote and we will provide a free Medicare consultation.

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Other Resources:

Medicare Supplement Chart

Medicare Part D Plans

PA State Medigap Plans

Other State Medigap Plans

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