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A Medicare Supplement policy works alongside Original Medicare. Medicare Advantage is another way to receive Medicare-covered services through a private plan. You cannot use both at the same time.
QuestionOriginal Medicare + SupplementMedicare Advantage
How coverage worksOriginal Medicare remains primary; the supplement helps with covered cost sharing.A private plan provides your Medicare Part A and Part B benefits.
Provider accessGenerally, any provider nationwide who accepts Medicare.Plan networks and service-area rules may apply.
Out-of-pocket patternMonthly supplement premium, usually with more predictable covered medical costs.May have a lower premium, with copays or coinsurance as services are used.
Prescription coverageUsually requires a separate Part D plan.Often included, depending on the plan.
Prior authorizationOriginal Medicare rules apply; the supplement does not manage care.The plan may require approval for certain services or drugs.
Changing laterMoving to another supplement later may require health questions unless a guaranteed right applies.Annual and special election periods govern most plan changes.
Medicare Supplement rates
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Use the secure CSG Actuarial quoting form to review Medicare Supplement rates. After viewing your results, call D Kenton Henry for personal guidance, answers to your questions, and help applying for coverage.
Questions worth asking yourself
- Which doctors and hospitals do I want available?
- Do I travel or spend part of the year away from home?
- Do I prefer a steadier monthly cost or paying more as care is used?
- Which prescriptions must be covered, and at which pharmacy?
- How comfortable am I with networks, referrals, and prior authorization?