Why consider a Medicare Supplement Plan in Huntington Beach California?
You have options when you are going on Original Medicare which is Part A for hospital and Part B for outpatient services. Original Medicare only covers part of your costs. For more information on what it covers and what your costs are visit Welch Insurance Medicare Information.
People get confused when they have an Advantage PPO plan thinking they have a Medicare Supplement Plan. There are major differences.
- You can self-refer to any provider or hospital with a Medicare Supplement Plan. You cannot with an Advantage PPO.
- With an Advantage PPO you can self-refer to providers within the network. However, to go out of network the provider needs to agree to accept the plans payment before you can receive services.
- Advantage PPO plans may be regional or national and may not service all states. Medicare Supplement Plans are national and accepted in all states.
- The Medicare Supplement Plan G only has an annual deductible in 2025 of $257. You pay nothing more for medical treatment which is Medicare approved other than your monthly premium.
- Advantage PPO plans may have a premium and they also have a Maximum Out of Pocket for in-network and out-of-network.
- PPO Advantage Plans can be discontinued by the carrier each year. While Medicare Supplement Plans are stable and can not be discontinued.
- When you have an Advantage Plan for a 12-month period you will have to go through underwriting, answering health questions, to be approved for a Medicare Supplement Plan.
Conclusion:
When you are new to Medicare you have the choice to choose the kind of Medicare Insurance Plan you want. It is best to consider your lifestyle, medical condition, desired level of flexibility with medical providers, and your budget.
You can compare and apply for Medicare Advantage Plans from multiple companies in your area if you live in one of the following states. Tap on the state: Arizona, California, Nevada, Oregon, or Washington.
If you prefer to speak to a licensed agent, call 800-641-3315 and ask for Roy, or tap on Set Phone Appointment.
If you live near Huntington Beach, California, and are looking an experienced local Independent Medicare Agent, please visit Welch Insurance for Medicare.
