Original Medicare

There are 2 routes you can take to receive your Medicare. Original Medicare is the first. This route gives you the most freedom, but does come with a higher monthly cost.

Pros of Original Medicare

No Network Restrictions

You can choose to go to any doctor or hospital who accepts Medicare, which is a large majority. This means that you can easily travel with Original Medicare plus a Supplement, which is especially great for snowbirds or those who frequently visit friends and family in other areas. Many also choose a Medicare Supplement for the ability to choose research hospitals and doctors when they are seriously sick.

Possibility of no co-pays, co-insurance, or even no deductibles

With certain Medicare Supplement Plans, you can have no copay, coinsurance, or deductible costs. In other words, you’d only have to pay your premium each month and nothing else. This is a good option for people who go to the doctor regularly, especially for those who go to specialists.

Choice of Supplement Plan

There are 10 different standardized Medicare Supplement plans, each named with a letter. Benefits offered by Plans of the same letter are exactly the same no matter which company you purchase your Plan from. The only difference between the companies offering the Plan is price and service, which means you can shop around for the lowest rate. (You can do that at the bottom of this page.)

For example, most of our clients go with a Plan G. If you run a free personalized quote below, you will get a list of 20-35 companies offering the Plan G and the price they are charging. All these companies are offering you the exact same “Plan G” coverage, the only difference between them is the price.

Supplements can be changed at any time during the year

Unlike Advantage plans, Supplements can be changed at any time during the year. If your Supplement price goes up and you want to save money by switching, you can.

Cons of Original Medicare

More Expensive

Your Medicare Supplement, Part D Drug plan, and, if you choose, dental and vision coverage are each paid for separately. These costs add up quickly, so if you’re on a tight budget, a Medicare Advantage plan might be a better option for you.

Health Questions for Medicare Supplement

If you want to switch your Supplement to save money, you must answer health questions (unless you’re in your open enrollment period). Health history can prevent some clients from switching, especially if new health issues have appeared since originally signing up for a Supplement.

Use Our Calculator For a Free Comparison of Medicare Supplement Plans

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Learn more about Original Medicare!

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Medicare: Original Medicare (Part A & Part B)

If you are turning 65, or about to lose your work insurance, it is crucial to understand Part A and Part B of Medicare.

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Medicare: The 2 Paths of Medicare

There are 2 paths of Medicare available to beneficiaries to choose from. Hans goes over the 2 paths and their pros and cons.

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Medicare: Lower Priced Supplements

Medicare supplements give the freedom of no networks. We discuss a high-deductible plan that is perfect for people who want freedom but don’t want to pay a higher price.

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Turning 65? Medicare and Social Security Explained

Turning 65? Just starting Medicare? Hans goes over everything you need to know to get started!

Want more information on Original Medicare?