Your choices

Supplement or Advantage?

There are two common ways to complete Medicare. We start with your doctors, prescriptions and travel plans, then make the tradeoffs understandable.

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Advisor talking through Medicare choices with an older couple

Two ways to complete Medicare

Option one

Medicare supplement with a drug plan

Option two

Medicare Advantage

Monthly premium
Medicare supplement with a drug planA higher monthly premium.
Medicare AdvantageOften a low or no premium beyond Part B.
Choosing doctors and hospitals
Medicare supplement with a drug planAny doctor or hospital in the country that takes Medicare.
Medicare AdvantageA network of doctors and hospitals through an HMO or PPO.
Bills when you get care
Medicare supplement with a drug planFew or no bills when you get care.
Medicare AdvantageCopays as you go, with a yearly limit on what you pay.
Drug coverage
Medicare supplement with a drug planChoose a separate drug plan.
Medicare AdvantageUsually built in.
Dental, vision and hearing
Medicare supplement with a drug planAsk us about separate choices for the care you use.
Medicare AdvantageMany plans include dental, vision and hearing.
Traveling or spending winters somewhere else
Medicare supplement with a drug planA strong fit if you travel or spend part of the year elsewhere.
Medicare AdvantageCheck that the plan’s local network fits where you live and get care.
Who it often suits
Medicare supplement with a drug planPeople who want broad doctor access, see Phoenix specialists, travel, or prefer fewer bills. Plan G is the one most new clients choose.
Medicare AdvantagePeople who prefer a low premium, are comfortable with a local network, and want drug coverage in one plan.

Questions are easier at the table.

Meet with an advisor