Yes if you prefer to go to any doctor or hospital without pre aporovals and want the lowest predictable medical costs and you can afford it, then yes they are the best option overall.
Medicare Supplement ("MedSup") plans can absolutely be worth the Monthly Premium cost; it all depends on your specific needs. With a MedSup you have the freedom to see any doctor or medical facility that takes original medicare with no referals. There are many advantages to a MedSup. Contact a local trusted Agent to find out more.
That’s a matter of opinion based on the particular needs of an individual. If you are going to several specialists a month and in and out of the hospital, a supplement may work out mathematically. However, if you are healthy and just see your primary a couple times a year with a hospital visit thrown in every now and then, an advantage plan may suit you better as the copays you will pay may not be as much as what you would pay in premiums for the supplement. Plus advantage plans often come with extra benefits.
The true value of a Medicare Supplement plan, regardless of the carrier someone may elect to have their plan with, is the freedom to be treated anywhere in the United States that accepts Medicare. Someone would never have to deal with a service being "out of network". As long as the Dr. or Facility accepts Medicare, then they will accept the Medicare Supplement. It will fill in the 20% gap after Medicare pays 80% and that is why they are also called Medigaps. Many people value that freedom more than others.
Although there are many zero premium Medicare Advantage plans, they will be a little more restrictive on Dr's and Specialists that can be seen and will usually have copays associated with the different services the plan covers. Great question!
Choosing a Medicare Supplement OR Medicare Advantage plan are base on your preference. The one that you choose should be based on your budget and your health.
It is important to understand that your Medicare Supplement plans premium is in addition to your Part B premium.
Medicare Supplement plans work alongside your Original Medicare to cover the gaps such as coinsurance, Copayments, and deductibles. Plan G are highly comprehensive and covering nearly all Medicare approved costs except the Part B deductible.
Medicare supplement plans are highly worth it if you can afford the premiums and want to avoid surprise out-of-pocket cost, need total freedom to choose your doctors and dislike dealing with network restrictions or pre-authorizations.
