If you are already enrolled in Medicare Part A and Part B you will have a choice between a Medicare Supplement (aka Medigap) plan or a Medicare Advantage plan. The following reasons are why we feel the Medicare Supplement plan is the better choice for you: Any healthcare provider that accepts Medicare will accept all Medigap plans. There are no networks, there are no HMOs, there are no PPOs and you will never need a referral to see a doctor or specialist Generally there are no co-pays when services are rendered Most Advantage plans have co-pays for every visit Medicare Supplement plans are standardized by the government. Which means you can compare prices form one company to another and always know that you are comparing the same coverage Policies are “Guaranteed Renewable”, which means that as long as you pay your premium, you cannot lose the coverage If you move to another city or state, you can take your Medigap policy with you You won’t have to worry about limited providers or doctors dropping out of your network If you buy a Medigap policy within 6 months of starting Part B at age 65 or older, you cannot be turned down for any reason You don’t have to choose a primary care provider so you don’t have a “gatekeeper” who has the final say on which provider you see So although Medigap plans usually come with a slightly higher premium than the Advantage plans, there are very few limitations to them and no “hidden” costs as far as co-pays and/or deductibles. So for all these reasons we feel your better alternative to supplement your government issued Medicare coverage is a Medigap policy. Please feel free to contact one of our Medicare Supplement specialists, at (800) 369-3600, who will be happy to discuss your individual circumstances and suggest a plan that is right for you. Visit ManhattanLife's Medicare Supplement for plan information.