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1. MA plans generally have lower premiums than MS plans.
2. MA plan premiums are not age rated (the insured pays the same
premium whether age 65 or 95).
3. Some MA plans include a Medicare Prescription Drug Plan.
4. MA plans are medical plans offered by private insurance companies
that operate in place of Original Medicare Parts A & B. The beneficiary
does not lose Original Medicare Parts A & B, but so long as enrolled in an
MA plan, claims will only be received, reviewed and paid, if approved by
the MA plan insurance company.
5. Some MA plans have no maximum annual out-of-pocket limits. The
beneficiary is liable for plan co-pays and deductibles without annual limits.
6. Some MA plans require that the beneficiary obtain all services from
contracted providers except bona fide emergency care.
7. MS are not medical plans but plans that supplement Original Medicare
Parts A & B. Medicare regulations specify plan design details and require
that MS be labeled A through L.
8. In general, MS beneficiaries pay higher premiums that are age banded
and must purchase a separate Medicare PDP plan but enjoy lower or no
co-pays and deductibles for medical expenses and have PDP expenses
that are similar if not the same as those with MA plans that include PDP
Medicare Advantage plans vary greatly. Your choices will depend on
where you live, but some of the variables include:
Most plans are managed-care plans (HMOs) though fee-for-service plans
are available in some areas.
Some plans will provide supplemental prescription drug coverage.
Some plans will provide supplemental vision care.
Some plans will provide supplemental dental care.
More options can be found in a Medicare Advantage plan than in a
Medigap plan. However, unlike Medigap insurance policies, Medicare
Advantage policies are not standardized
Medigap insurance policies are standardized and you have 10 levels of
coverage to choose among. Medigap Plan A provides the least amount of
coverage while MediGap Plan J provides the most coverage -- with a
range of options in between. (However, it is important to note that
beginning in January 2006, Plans H, I, and J will no longer be available to
Medigap insurance plans and their costs will vary depending on where you
Call our toll-free number or fill out the Quick
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Information requested. Ask any questions you
may have to help you clarify the plan
differences and we will assist you through the
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Medicare vs Medigap
Medicare Advantage Plans For
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California Medicare Supplement Plans (MS) Vs.
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