Medicare Supplements, Plan M and N, are the newest standardized Medigap plans offered by private insurers in South Carolina and nationwide. These two new plans provide a lower-premium alternative to the existing Medicare Supplements, and many feel that these new plans will gain traction as very popular choices in the Medicare Supplement marketplace, particularly with the upcoming major changes to the Medicare Advantage program.
The HMO (Health Maintenance Organization) plan gives you access to a nationwide network of doctors, predictable out of pocket costs, $0 co pays for most preventative care, and more. The PPO (Preferred Provider Organization) plan offers the benefits of an HMO with the flexibility to choose out of network providers for an additional fee.
The PFFS (Private Fee For Service) plan has no network of care providers. You are free to choose which doctors you see and which hospital you use. Also offered are Special Needs plans which allows coverage to be tailored to an individual's unique circumstance. For supplemental insurance coverage, or Medigap, Aetna Medicare offers Plans A, B and F. These plans help to cover expenses not covered by Medicare Parts A and B coverage.
When you are getting prepared to do your enrollment for Medicare, you will want to learn about all of the parts of Medicare
medicare supplements