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Your primary health insurance may not cover all expenses Supplemental insurance policies can help you pay for out-of-pocket medical expenses such as copays and deductibles when a serious illness or accident happens.
When it comes to household expenses they don’t stop for an accident or illness Supplemental policies pay benefits directly to you, unless otherwise assigned, to help with everyday expenses such as utility bills, groceries, and childcare.
For a monthly premium less than what it might cost to take your family to the movies, these policies can help provide peace of mind when the unexpected occurs.
Medicare Advantage Plans
Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In many cases, you’ll need to use health care providers who participate in the plan’s network and service area for the lowest costs. These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services, to help protect you from unexpected costs. Some plans offer out-of-network coverage, but sometimes at a higher cost. Remember, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services. Keep your red, white, and blue Medicare card in a safe place because you’ll need it if you ever switch back to Original Medicare. Below are the most common types of Medicare Advantage Plans.