It is important to understand that Medicare does not cover all medical expenses. Even when Medicare covers services or supplies, it rarely pays the total cost. The amount of coverage depends on whether you have coverage under Medicare Part A, Medicare Part B, or both. Typically, Part A deals with inpatient hospital expenses, and Part B deals with outpatient health care expenses, such as doctor fees.
You may opt to be covered by private insurance for these Part A and Part B expenses through a Medicare Advantage plan. These plans must cover at least the same benefits covered under Medicare Part A and Part B. With these private insurance plans, your costs may be different, and you may get extra benefits, such as coverage for prescription drugs or extra days in the hospital.
If you have a Medicare Advantage Plan, Medicare Supplement Plan or Medigap Insurance, you won’t pay co-payments, deductibles, or other cost sharing under your Medicare Health Plan. That’s why investing in both a Medicare Advantage and a Medigap Plan is not necessary. If you choose only a Medigap Plan, it can cover expenses that Medicare does not cover.
If you want to learn more about Medicare Advantage and Medigap Insurance Plans, call us at 866-323-1441. At MediGap Advisors, we take pride in helping you get into the right Medigap plan at the best price we can find, and we make the process easy and hassle-free. We only represent the highest-rated companies, including Anthem Blue Cross Blue Shield, Humana One, Mutual of Omaha, UnitedHealthcare, and others. You can use our simple Medigap “How To” Guide to get signed up, or call us at 866-323-1441 for a no cost consultation. We have evening and weekend telephone appointment times for your convenience.

Wiley Long is founder and president of Medigap Advisors, and is passionate about helping people navigate the confusing waters of Medicare. He is the author of The Medicare Playbook: Designing Your Successful Health Coverage Strategy, a clear and simple explanation so you can make the most of your Medicare coverage.