Medicare Advantage and Medicare Supplement Insurance include different benefits. If you’re not sure what type of coverage fits your lifestyle, use the overview below to see what’s covered.

  Medicare Advantage (Part C)   Medicare Supplement Insurance (Medigap)
Description   Medicare Advantage plans are health plans offered by private insurance companies that have contracted with Medicare to provide Part A (hospital) and Part B (medical) benefits.  Medicare Supplement Insurance plans are offered by private companies to help pay some or all of the out-of-pocket costs that Medicare doesn't cover, like copayments, coinsurance and deductibles.
Is Prescription Drug (Part D) Included?  Yes

Many Medicare Advantage Plans, including Medical Mutual’s plans, include Part D prescription drug coverage.

To get prescription drug coverage, you must buy a Part D plan separately.
Are Additional Benefits Included?  Yes

Many Medicare Advantage Plans, including Medical Mutual’s plans, offer additional health and wellness benefits (including a fitness program) and optional dental and vision coverage.

However, some plans cover medical care when traveling outside of the United States.

Some insurers, like Medical Mutual, also provide SilverSneakers® with their Medicare Supplement plans at no additional cost to you.*
Eligibility Information   Must have Medicare Part A and Part B, continue to pay the Part B premium and live in the service area. Plans accept all applicants except those with End-Stage Renal Disease (some exceptions)  Must have Medicare Part A and Part B, continue to pay the Part B premium and live in the plan’s state at least 6-months of each year. Applicants that enroll during their Initial Open Enrollment Period will have guaranteed acceptance and pricing.
What Doctors and Hospitals Can I Visit?   You must use providers in the plan’s network (except in an emergency). Different types of plans have different networks:

HMO plans: You can only visit in-network providers and referrals may be required for certain services or specialists.

PPO plans: You can visit any provider, but out-of-network providers will cost you more.
 You can visit any provider who accepts Medicare patients.
Is This Plan Renewable?   You remain in a plan unless you disenroll, but the plan’s benefits may change yearly. Yes

You have guaranteed renewal as long as you pay your premium and your application was correct. Benefits never change.
Who Is This Plan Best For?   People who don’t anticipate frequent treatment or appointments

People who can’t find a Medicare provider
People who prefer simplified coverage under one plan
 People who frequently travel out of state

People who need high-cost or frequent care
Learn More  Medicare Advantage Plans Medicare Supplement Plans
Ready to Shop?  Get a Quote Get a Quote

*Medical Mutual provides SilverSneakers membership at no extra cost to you. SilverSneakers is an additional insured member service apart from the Medical Mutual Medicare Supplement Insurance plan benefits. SilverSneakers is provided by a third party and you can choose to take or not take the service.

Have a Question? We Can Help!

Speak with a Medical Mutual licensed insurance agent or call your insurance agent.

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Mon. - Fri. 8 a.m. to 8 p.m.

Page last updated on 9/25/2020
Y0121_WS_2016_May16 CMS Approved