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Medicare from the Govt has parts A and Part B
A pays the hospitals and no charge fee to you.
B pays doctors and medical services you pay this year, 2021, $148 per month.
Together they pay about 80% of all expenses. You're liable for the 20% GAP in coverage. Now two parts
Original Medicare
Then you can buy, and we always recommend GAP insurance called Medicare Supplements. There are many forms of GAP coverage.
Private insurance firms have gap programs. A plan known as G pays most if not all of the GAP. You generally don't have to change doctors or providers.
Medicare Advantage
"Private Insurance Companies" pay the GAP and sometime have more benefits as you have seen on the TV commercials that SCREAM at you to get the Medicare Advantage Program. You are required to use their network of providers and hospitals.
Bottom-line Make sure your providers are in the network of the Medicare Advantage plan, if not find a plan that does or changes providers.
Medicare Advantage plans are less expensive and you can save money but just make sure. You also have the right by law to go back to "The Original Medicare Plan."
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