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MEDICARE COVERAGE OPTIONS
Medicare Supplement Plans
- Complements original Medicare (Parts A & B).
- Covers the remaining 20% of medical costs after Medicare.
- Does not include prescription drug coverage (Part D).
- Costs may increase over time, but coverage remains consistent.
- Must enroll in Part D to avoid penalties.
Medicare Advantage Plans
- Managed by private insurers and replaces original Medicare.
- Operates under HMO or PPO networks with co-pays.
- Includes Part D prescription coverage and possible extra benefits (e.g., dental, vision).
Key Considerations
- Part D plans vary in cost, co-pays, and coverage, so it's important to review them annually and seek personalized advice.
- Missing initial enrollment in a Medicare Drug Plan may lead to penalties.
- Medicare drug coverage options vary by costs and drugs covered.
- D-SNPs (Dual Eligible Special Needs Plans) combine Medicare and Medicaid benefits for eligible individuals.
Comprehensive Health Insurance Plans
Our Virginia Insurance Marketplace is designed to help manage healthcare costs. Rupiper Insurance ensures you are financially protected for both routine care and unexpected health challenges, without restrictions on pre-existing conditions.