Factors determining the Medicare supplement plans you will choose

When it is the matter of making a choice between the Medicare supplement plans, there are several recipients and agents to take a view of the plans especially the supplement plan F as the Cadillac or the expert amongst the other plans there are. Thus, there are several things which these plans will provide for you.

If you are above 65, you already get the Medicare plans

If you are already a senior citizen den your age is 65 or above, chances are you are already entitled to the simple Medicare plan which will pay for your medical stuff. The plans A and B will be playing for all your visits to the doctor as well as the several visits to the hospital. It will also cover any kind of operation which you might have to undergo.

In a way, these plans are solely responsible for the coverage of your medical bills. However, the unfortunate thing is that these plans are designed in such a manner that they will not be cover for all your things, there are several gaps or loopholes which have been left in these plans, and that can pose as a problem in the future.

Medicare supplement plans take care of all the rest

But you have nothing to worry about. This is where the Medicare supplement plans come into existence for the sole purpose of making sure that all these gaps are filled in properly. This means that all those coverages will be made which were earlier left open by the simple Medicare plan.

Also, under the supplement plans, you will be able to visit any of the doctors of your choice, and you will be able to get admitted in any of the hospitals you wish to be a part of. Thus, there are several benefits which already come in along with these supplement plans.

You need to see whether you will be able to afford the plan

Due to the way in which these Medicare Supplement Plans 2018 work or operate, they are also known as Medias. There are some factors which actually come into play while making a choice of these spokesmen plans.

The first factor being the financial situation you are in. it needs to be made sure whether you will be able to afford the plans or not since the base price of the supplement plan F starts at 95 dollars and increases from there. The premium of Medicare supplement plans is locality dependent.

Medicare Advantage Plans feature Different Types, know the details here

Medicare Advantage is of many types and is also referred to as Part C Medicare plans. The Medicare Advantage plans offer an alternative way of receiving Part A and B Original Medicare benefits.  In fact, with Part C Medicare, you enjoy the Original Medicare same coverage, but for the benefits of hospice care. These are offered through a private insurance company that has approval from Medicare. The Medicare Advantage plans provide benefits such as routine dental service and drug prescription coverage benefits.


The Medicare Advantage plans common types include the HMOs, PPOs, PFFS and SNPS plans. Apart from these common main types of plans, there are less common options such as HMO POS and MSA. However, each plan of Medicare Advantage offers special benefits. Conversely, there is a need to compare the benefits of Medicare Advantage plans so that you find the one that meets your needs.


As Medicare Advantage plans 2018 are issued by private insurance Medicare approved companies, there are differences between the plans, including additional coverage, costs such as dental, hearing, routine vision or wellness coverage and certain rules for receiving the services. Of course, the fact stays that not every Medicare Advantage plan may be available in your residing place.


  • Health Maintenance Organization is the first health-care type of plan requiring selecting doctor for primary care. You need a referral to see specialist, in most cases. In case you do not follow the services rules, you need to pay full care costs.  However, under certain circumstances you cannot get the services covered if you acquire outside the Medicare providers network plan.  Though, the rules are restrictive, the restrictions offset lower costs.
  • Preferred Provider Organization is a Medicare advantage plans type that allows you to visit any hospital or doctor, but you will be paid less on using hospitals and doctors belonging to the network plan. Typically, the health plans do not need any referral to visit a specialist. Yet, if you use specialists out of the list of network, you need to pay higher cost for the services covered. This plan monthly premium may be higher.
  • Private Fee-For-Service plan type is when you need not pick a primary care doctor nor are referrals required for specialists. However, not all the plans of Medicare providers accept.
  • Special Needs Plans are for people who qualify based on their health needs. These plans offer coverage to meet specific conditions and needs of people they serve.