Why Choose a Medicare Supplement Plan Instead of Medicare Advantage?
The biggest reason many beneficiaries prefer a Medicare Supplement plan is that it lets you keep the two greatest benefits of Original Medicare:
Nationwide Access to Care – You can see any medical provider or go to any medical facility in the U.S. that accepts Medicare — over 98% of non-pediatric doctors and hospitals.
No Prior Authorization Requirements – Your healthcare decisions remain between you and your doctor without interference from an insurance company.
How Medicare Supplement Plans Preserve Your Original Medicare Benefits
Medicare’s intent is to cover all medically necessary care for diagnosing or treating a disease, condition, or injury. Medicare relies on your doctor to help make that determination — not an insurance administrator.
When you add a Medicare Supplement plan, you keep these rights. Supplement plans have no authority over your care; they simply pay their portion of the bill as determined by Medicare.
How Quickly Are Medicare Supplement Claims Paid?
With most major carriers, about 91% of Medicare Supplement claims are processed automatically and paid within 48 hours — with no human intervention. That’s a stark contrast to the delays and denials some face with Medicare Advantage plans.
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