Best example I've heard is that supplemental programs are like buffets whereas Advantage plans are like a-la-carte. You pay one price for the buffet whether you eat a little or a lot, but you can have as much as you want (or need). The Advantage plans are cheaper if you don't go to the doctor or need other services much, but will cost you more if you "over order". Same as an a-la-carte restaurant. One other point: you can use Advantage plans out of your area, but then you are "out of network" and your co-pays and/or co-insurance will be more. It comes down to how much you are willing to insure yourself vs. paying the insurance company to take the risk. Tough call no matter which way you go. Do your research!
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