[Avista]

Originally Posted by Summit Medigap

Interesting that a provider would be pushing Medicare Advantage over a Medicare Supplement.

It is a really good Medicare Advantage commercial however they left out some very important points. We offer both but we feel it's important for clients to understand all of the facts.

What they don't say about Medicare Advantage plans:

1. The max out of pocket costs can be as high as $6,700 per year.
2. The benefits can & do change year to year with a Medicare Advantage plan.
3. The network can change year to year also.

In contrast, max out of pocket for a Medicare Supplement can be $0, the benefits are not allowed to change & there is no network. That means a person can go to any doctor or hospital in any state they want. If they take Medicare they will take the Medicare Supplement regardless of who the carrier is.

It boils down to understanding both so a person can make a truly informed decision as to what is best for their particular situation.

Regards,
Bill

The Villages Advantage program has the Max out of pocket at $4500. Each month we put aside what we would have paid for a Medigap policy Plus RX drug policy. We draw on this for any Co Pays.