Medicarebob

   There is no such thing as a “zero premium” Medicare Supplement plan. If you see any plans advertised as being “zero premium” those are not Medicare Supplements but Medicare Advantage plans, and they are not “zero premium”. The way a Medicare Advantage plan works is the premium you would pay to Medicare Part B, is now paid to a private insurance carrier instead of Medicare. You are still paying for those plans. It is important when choosing between these two plans that you know the differences. Summary of a Medicare Advantage Plan:  · A Private Company provides a health plan that you will use instead of using your traditional Medicare. · Low monthly premium · Requires you to pay some bills when you use the Plan. You will have copays, co-insurance and sometimes a deductible. · You have to go to certain Doctors, Hospitals and other Providers. (HMO / PPO) · Has a max out of pocket for your protection. Once you have paid a certain amount, the plan will pay the rest of your healthcare cost. For 20