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Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/

We have all seen commercials on TV or mailers that appear to advertise $0 premium Medicare Supplement plans. The reality is, there is not such thing as a $0.00 premium Medicare Supplement Plan. If this is the case, than why do we all see commercials that advertise a $0 premium?

Those advertisement are actually referring to Medicare Advantage Plans. Here is how the Advantage Plans work, the Plans that are advertised as $0.00 premium are actually the same price as Medicare, so you will still pay the $135 for your Part B Premium. The reason that some Medicare Advantage Plans are the same prices as Medicare is because these plans to not actually pay the bills that Medicare charges, instead the Plan replaces what Medicare Part A and B would charge, with that Plans own set of bills.

Here are some examples:

When you go the hospital, Medicare will require you to pay the first $1364 (Part A Deductible). Well, a Medicare Advantage Plan does not pay this $1364 for you, instead the Plan will just charge you a different amount, like $300 per day each day you are in the hospital.

If you get a surgery, the Medicare Advantage Plan will not pay the 20%, instead you will have a copay or you still might have to pay the 20%.

The only type of coverage that actually pays the bills that Medicare A and B would charge you, is a true Medicare Supplement Plan. All Medicare Supplement Plans have a premium, and in return you will not have any surprise bills. You can choose a Medicare Supplement Plan that pays all of the approved Services bills. With this Supplement Plan when you go to the hospital, your Supplement Plan actually pays the $1364 that Medicare would normally charge you. If you get a Surgery, the Supplement Plan actually pays the 20% for you.

It is important to understand that the only time in your life that you are automatically approved for a Medicare Supplement Plan is when you first join Medicare. So if you choose a Medicare Advantage Plan and later want to upgrade to a Medicare Supplement Plan, you will have to medically qualify.

If you would like help with choosing your Medicare Plan, please go to our website or give my office a call: 1-855-368-4717.