Medigap和優勢之間的區別是什麼？
Medigap和優勢之間的區別是什麼？
 It can be a bit confusing, but Medigap plans are utilized for persons that are covered under traditional Medicare. You can buy a policy from an insurance company such as Blue Cross, Humana or UnitedHealthcare (although there are plenty of other insurers to choose from). It is designed to provide coverage for many of the out-of-pocket costs (such as Part A deductible and Part B costs) that are not picked up by Medicare. The different Medigap plans are standardized which makes it easy to compare, although there are differences in benefits. Medicare Advantage is a private health plan that is offered as an alternative to the more-traditional Medicare coverage. Often an HMO or PPO, you may see additional benefits included. Many of these plans include some form of prescription/drug benefit. Of course, you can not purchase BOTH a Medigap and Medicare Advantage plan. You can choose one, or simply not use a supplemental policy. An independent broker and/or a reputable website is a great place to view options from multiple companies. You can often instantly compare plans and easily apply online.
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