MEDICARE MASTERY

What should you know about your options?

When considering medicare advantage

It's all about Network, Network, Network

When I talk to clients who are considering Medicare Advantage, I make sure to emphasize that they must stay in the network and get referrals to see specialists.

I tell my clients that Medicare Advantage is a “pay as you go” system. You don’t have a monthly premium (most Arizona plans), but you pay a co-pay when you see a doctor. You pay a co-pay for diagnostic tests. You pay a big co-pay if you end up in the hospital.

I tell my clients that Original Medicare with a Medicare Supplement is a “pay in advance” system. You pay the Medigap premium every month and then, when you see doctors, or end up in the hospital, you have no co-pays (Plan F) or limited co-pays (Plans G, C, N).

When I talk to people who are turning 65, we compare Medicare Advantage to Medicare plus a Medicare supplement. People who are healthy are drawn to the “pay as you go” Medicare Advantage program. I always warn them them their health can change and they might not like their Advantage plan so much if they become seriously ill.  What happens then?

Call Julie at (970) 667-2255 to discuss your options.

The information from RetirementMastery.com and Ron Richards is published solely for informational purposes, the information provided is not to be construed as investment, legal, or tax advice. Should such personal advice be needed, you should seek the specific advice and services from a qualified professional.

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