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Florida Medicare Plan Benefits

Medicare Supplement Or Medicare Advantage?

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Medicare Supplement

Medicare Advantage

Doctors & Hospitals You can select your doctors and hospitals as long as they accept Medicare patients. You may be required to use doctors and hospitals in the plan network.
Referrals You can see specialists without referrals. You may need referrals and may be required to use network specialists.
Network No network restrictions. Coverage goes with you across the United States. You may have network restrictions. Emergency care is covered for travel within the United States and sometimes abroad.
Enrolling You can apply to buy a Medicare supplement plan any time after you turn 65 and join Medicare Part B. Generally, there are specific periods during the year when you can enroll or switch to another Medicare Advantage plan.
Costs You pay a monthly plan premium in additionto your Part B premium. When you use services, your out- of-pocket costs are limited. Generally, you pay a low or $0 monthly plan premium in addition to your Part B premium. When you use services, you pay co-pays, co-insurance and deductibles.
Prescription Drug Coverage Prescription drug coverage is not included. Consider also purchasing a Medicare Part D plan. Prescription drug coverage is included with most plans.