On our sister site, www.medigap-insurance-for-medicare.com, we drafted a blog detailing the Freedom of Choice with Medigap.
To summarize, some of the main reasons we often end up recommending Medicare supplement insurance (Medigap) over Medicare Advantage is the freedom it allows its subscribers. With a Medigap plan you can choose your doctors and hospitals – you aren’t stuck in a network (like an HMO or PPO). An added benefit of not being part of a network is that Medigap customers can travel the country without concern that they’re too far away from their primary care physician.
Another freedom Medigap customers receive is the freedom to receive medical services without prior authorization and to be seen by specialists without a referral from their primary doctor. With Medicare Advantage, you need a referral to see a specialists (like an oncologist, for example) and you’ll need prior authorization to receive specialized medical services.
That said, there are some instances where it might make sense to enroll in a Medicare Advantage plan rather than a Medigap plan. For instance, a Medicare Advantage plan might be your best option if you don’t travel much, your current doctor and hospital are covered by your Medicare Advantage plan, and you don’t have the resources to pay a Medigap monthly premium.
If you’re interested in learning more about Medigap and Medicare Advantage, don’t hesitate to give us a call. We’re also happy to provide you with a free, no-obligation Medigap or Medicare Advantage quote.
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