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Medicare Supplement Insurance, or "Medicare Advantage" coverage, has been recently expanded. Do you know how much coverage you need?

Contact us for help- we look forward to serving you in this very important part of your insurance needs.

Below is information, courtesy www.medicare.gov, which can provide basic consumer information.

Medicare does NOT endorse this web site or this agency. You are NOT required to purchase an additional policy to supplement your Medicare.

What is a Medicare Advantage policy?

A Medicare Advantage policy is a health insurance policy sold by private insurance companies to fill the "gaps" in Original Medicare Plan coverage.

When you buy a Medicare Advantage policy, you pay a premium to the insurance company. This premium is different than the Medicare Part B premium you must also pay. As long as you pay your premium, your policy is guaranteed renewable, which means it is automatically renewed each year. Your coverage will continue year after year as long as you pay your premium.

If you buy a Medicare Advantage policy, it only covers your health care costs. It doesn't cover any health care costs for your spouse.

Some examples of Gaps in Medicare covered services What YOU Pay in 2003	A Medicare Advantage Policy May Help Pay These Costs
Hospital Stays $840 for the first 60 days $210 per day for days 61 -90 $420 per day for days 91 -150	Yes
Skilled Nursing Facility Stays Up to $105 per day for days 21 -100	Yes
Blood Cost of the first 3 pints	Yes
Medicare Part B yearly deductible $100 per year	Yes
Medicare Part B covered services 20% of Medicare-approved amount for most covered services 50% of the Medicare-approved amount for outpatient mental health treatment* Copayment for outpatient hospital services	Yes
*All Medicare Advantage policies must pay 50% coinsurance for outpatient mental health treatment services.

There are ten standardized Medicare Advantage plans called "A" through "J." The front of a Medicare Advantage policy must clearly identify it as "Medicare Supplement Insurance." Each plan A through J has a different set of benefits. Plan A covers only the basic (core) benefits. These basic benefits are included in all the Plans A through J. Plan J offers the most benefits.

If you live in Massachusetts, Minnesota, or Wisconsin, different types of standardized Medicare Advantage plans are sold in your state.

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