Medicare Supplements

What Do Medicare Supplements Cover?

 

Medicare Supplements do not provide additional benefits in the same way as Medicare Advantage. Instead, they cover the out-of-pocket costs of Original Medicare.

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These covered costs include:

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• Medicare Part A and Part B deductible

• Coinsurance/Copayments

• Hospital Care After 60 Days

• Skilled Nursing Facility Care After 60 Days

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​Additional Medicare Plans Options

 

• Private-Fee-For-Service

  • Private-fee-for-service (PFFS) plans are perfect for those who want to pay only for their needed coverage. As the name implies, you only pay for medical services as you use them.

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• Medicare Private-Fee-For-Service Plan Description

  • Private-Fee-For-Service (PFFS) plans are a flexible and affordable form of Medicare Advantage. Rather than relying on a network of providers and consistent month-to-month payments, you choose doctors who accept the plan and pay for the services and equipment you use.​

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• Private-Fee-For-Service Plan Cost

  • A Medicare Private Fee-For-Service (PFFS) Plan allows you to pay as needed. As a result, you are only required to pay the plan's copayment or coinsurance when you receive care. With HMO or PPO plans, your monthly premium would account for this cost.

The copayment and coinsurance fees depend on the plan, the service being used, and the healthcare provider. Also, unlike HMO and PPO plans, there is no preferred network, meaning the coverage price will vary between individual healthcare providers.

 

 

Medicare Advantage

(PPO, HMO, PFFS) Plan Comparison

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Medicare Advantage Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), and Private-Fee-For-Service (PFFS) plans all feature Medicare Advantage benefits. However, the method of payment and the way you receive this care vary between each plan.

 

• If you prefer having the consistency of a primary care doctor who refers you to the specialists and prescriptions you need, an HMO plan may be best for you. This plan has the smallest coverage options but the lowest cost.

• If you prefer having access to out-of-network doctors, then a PPO may be better suited. This plan will work well for you if you travel and want less expensive care more regularly.

• PFFS plans offer the most significant healthcare provider options, in or out-of-network. Most plans include prescription drug coverage, but unlike HMOs and PPOs, you can add Medicare Part D to your plan if it does not.

 

Your choice of plan is, of course, dependent on your personal needs and preferences.

 

TWhite Insurance will help you better understand your Medicare coverage options.