Explore the Medicare Insurance plans available through myHealthPolicy.

Medicare Advantage (Part C) is not a separate category of benefits. Rather it is another option available to you for delivery of your Medicare benefits. Under Part C, private health insurance companies provide your Medicare benefits. These private insurers contract with the federal government and control their costs in a similar manner to an HMO or PPO plan.

One of the ways Medicare Advantage Plans control costs is by requiring the participant to utilize health care providers within a network in the HMO/PPO format. This can limit your ability to have coverage outside your network’s geographical boundaries. But with many national health insurance companies, travel may be less restrictive.

Medicare Supplement (or Medigap) insurance plans are private insurance purchased to pay the out-of-pocket costs required under Original Medicare. These gaps in coverage include a sizeable Part A deductible that could be your responsibility several times per year (depending on the circumstances), as well as coinsurance, copayments, and excess charges. These can add up to thousands of dollars a year in the event of a serious illness, injury, or chronic condition. 

Because Medicare Supplement plans work with Original Medicare, you’re free to use the doctors, hospitals, and other health care providers you prefer and are not required to seek permission from a primary care physician to seek another healthcare provider’s care. Likewise, your coverage follows you anywhere in the United States.