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Senior Insurance Utah

Medicare Insurance Solutions: For Seniors By Seniors

Comparison Chart of Medicare Advantage Plans vs. Medicare Supplement Insurance



Costs: Premium,copay,coinsurance,out-of-pocket maximum

Medicare Advantage

Must have Parts A and B, and live in service area. Takes all applicants except those with End Stage Renal Disease (some exceptions).

All plan members pay same premium regardless of age,gender, or health. Cost sharing (copays) must be paid for most medical services. Many plans have an out-of-pocket annual maximum.

HMOs and PPOs maintain provider network; they must have available providers in order to accept new members.

Medicare Supplement

Must have Parts A and B. Usually companies may deny, but must accept all applicants, all ages, during Initial Enrollment and Guaranteed Issue periods.

Premium varies with gender and health and goes up with age. Companies may underwrite (add to premium). Generally, no copay costs at time of service. No out-ofpocket maximum.

No network: Go to any provider that accepts Medicare. No referrals required for specialist visits.

Provider choice and availability: Always verify your providers accept plan

PFFS has no provider network; it may be hard to find providers who accept it in some areas.

HMO: Generally covers in-network only. Referrals may be required for specialist visits.

PPO: Covers out of network, but then costs may be higher. No referrals required.

May be hard to find providers accepting Original Medicare in some areas.

May be used for treatments at major medical facilities, such as Mayo Clinics, OHSU, etc.

Prescription drug coverage: Make sure your MAPD/PDP covers your Medications Rx

If you want Rx coverage, you must enroll in the included Rx coverage if choosing an HMO or PPO. (VA-eligible excepted.)

With PFFS, you may choose either the plan's Rx coverage, if offered, or a stand-alone PDP.

Not included. If you want Rx coverage, you may enroll in any stand-alone (PDP) plan available.


No, benefits may change yearly. However, you usually remain in a plan unless you disenroll at election times.

Yes, guaranteed renewable as long as you pay the premium and the application was correct. Benefits never change. No election season for Medigaps.

Extra Benefits:

Whom it may be best for:

Some plans include routine dental, vision, or physicals. Some offer additional alternative medicine package.

Network plans may be good for people who otherwise can't find a Medicare provider. May save money unless you need frequent appointments or treatments.

Covers only same as Original Medicare. No routine dental, vision, or physicals; no alternative medicine.

Good for travelers or "snow birds". May save money for people needing high-cost or frequent care. Customize elements of your Medicare picture-choose doctors and drug plan.

How to comparison shop:

Having a packaged plan may simplify choices.

Plans are not standardized -use comparison pages in this Guide or at Plans are regulated by Medicare/CMS; sales agents are licensed by OID.

Because Medigaps are standardized, price and customer service are the only difference. Regulated by Federal government and State of Utah Insurance Division .