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Q&A: Medicare Supplement versus Medicare Advantage

In this Q&A, the's medicareblogger responds to a writer who would like to know if she should switch to a Medicare Advantage plan from her Plan J Medigap coverage.

Medicareblogger mentions that seniors benefit from Medicare Advantage because it gives them additional options for their Medicare coverage.  Many seniors opt for Medicare Advantage coverage because oftentimes "people don’t want to or can’t afford to pay a $229 monthly premium, and they can take the “pay as you go” option of Medicare Advantage."  While he states that even though one could afford to pay the $229 monthly premium of Medigap coverage, he or she should consider another Medicare supplement plan (if not Medicare Advantage) because Medicare benefits have changed to cover more benefits.  In other words, some seniors may be paying additional premiums for services they could be getting for free from Medicare.  The Q&A goes on to discuss prescription drug coverage.

Medicare beneficiaries typically only have until December 31 to add or change their Medicare insurance coverage, unless they are eligible for Special Election Period enrollment.

By medicareblogger - December 22, 2010
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Touchstone Health HMO is providing medical information not medical advice in the content herein. The information should be acted upon as part of your care plan with your physician(s).


Y0064_H3327_THPSMK_2060 Approved
Touchstone Health HMO, Inc. is a Medicare-approved Health Maintenance Organization with a Medicare Advantage Prescription Drug contract with the federal government and a contract with the New York State Medicaid program. The plan is available to anyone enrolled in Part A and Part B through age or disability and who continues to pay their Medicare Part B premium. Copayment, service area, and benefit limitations apply. Members must use contracted providers to receive plan benefits, except in an emergency, urgent care, and for out-of-area dialysis. The Touchstone Health Medicare Advantage and Prescription Drug plans are Total, Prestige, Power, Clear and Freedom. Enrollment in Touchstone Health depends on contract renewal.