How to Choose a Plan
Choosing a Medicare plan that is right for you can be overwhelming — but with Medicare Sharks, it doesn't have to be! Don't be discouraged if you're feeling overwhelmed by the different Medicare options out there. We're here to help you make sense of what plans are available and which one is right for you.
Choosing a Medicare Plan Type
When you're searching for supplemental Medicare insurance, there are some important considerations to keep at the forefront of your mind. To begin with, there are two major types of Medicare plans — Medicare Supplement (Medigap) and Medicare Advantage (Part C) — and understanding the difference between them is essential. While they sound similar, they actually work quite differently andwhich type is right for you depends on some variables, including:
What types of physicians participate in either plan
Whether your preferred hospital accepts the insurance
How often you travel
Your risk tolerance
Your own peace of mind
Other common plans include Part A Hospital Insurance and Part B for medically necessary and preventative services.
Choosing a Medicare Supplement (Medigap)
If you've determined that Medigap would offer you the coverage you're looking for, our Medicare sharks can search and find a plan in your region. We're a large broker so we can invest in quoting software to give us all available prices in every state. Medicare Supplement premiums vary from person to person depending on various factors. Variations in Medicare Supplement premiums depend on certain factors including age, gender, and tobacco usage, and household discounts are available for those who qualify. Specific state rules can affect premiums as well.
Choosing a Medicare Advantage Plan
There are a variety of Medicare Advantage plans available, and determining which one is right for you depends on your preferences and needs. Some individuals prefer a Medicare HMO plan for the low premiums, while others opt for a Medicare PPO plan for its flexibility and out-of-network benefits. Medicare Sharks is familiar with every type of Advantage plan and can help you make the best choice.
Medicare Supplement vs. Medicare Advantage Plan
Contact us today to let us help you figure out which is best for you!
Let Us Be Your Medicare Ally
Medicare Sharks can help you determine which plan is right for you based on your location. We provide transparent information on monthly premiums and coverages. We can help you get the statistics and data you need before you decide, so contact us today! If you have more questions, visit our FAQ page for more answers!
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