Medicare Advantage Part C & Prescriptions Saving You $ Our Medicare Advantage Plan is a Private Fee-for-Service plan (PFFS) to cover more services, lower out-of-pocket costs, and thus eliminate the need for a Medigap supplement policy while still enrolled in the Medicare program.  The difference is our plans  provide you more benefits and services than Medicare alone,  and can help save you hundreds in monthly  premiums.  Our plans are contracted and regulated by the federal government. Tim Osterholm Medicare Specialist Mortgage Planner Mortgage Loans Reverse Mortgages for Seniors A reverse mortgage is a loan against your home that you do not have to pay back for as long as you live in your home. You also maintain ownership of your home.  The money can be used to supplement social security, meet unexpected medical  expenses, make home improvements, and more. You must be 62 years or older to apply for a reverse mortgage.

 

Medicare Advantage, Your Better Choice!
To join a Medicare Advantage Plan, you must be enrolled in Medicare Part A and Part B.

Medicare Advantage (Part C)	Medicare Supplement (Medigap)
Low monthly premiums, some as low as $0 per person	Monthly premiums that typically range from $75-$185 per person
All rates are the same per service area (usually by county) with no differentiation by age or sex	Rates are frequently based on age, sex, and tobacco usage
Guaranteed Issue (except for usually ESRD)	Underwritten (turning age 65 and MA disenrollment and certain Guaranteed Issue exceptions)
Low co-pays when receiving treatment with maximum out-of-pocket expenses that typically range from $2,500 to $5,000	Covers remainder of provider bill after Medicare pays, with variations depending on the plan
Annual plans that must be approved (not guaranteed renewable)	Guaranteed renewable plans
Annual election, open enrollment periods and lock-in periods dictate when purchases can be made	Can be purchased anytime throughout the year without period restrictions
Can usually go to any doctor or hospital, or can have networks such as HMO and PPO plans	Can usually go to any doctor or hospital, or can have networks such as HMO and PPO plans

Part A	Part B	Part C	Part D
Hospital	Medical	} Medicare Advantage (pays in place of Parts A & B, and Medigap)	Prescriptions / Rx
Medigap Supplement

We compare plans for you.

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