Medicare Supplement and Part D
Original Medicare with a Medicare Supplement and Part D plan means that a Medicare Beneficiary is receiving Part A and Part B of Medicare, purchases a Medicare Supplement (Medigap Plan) to Supplement the Original Medicare Benefits and purchases a Medicare Part D plan for Prescription Drug coverage.

Is this option right for me?
•If you do not have other supplementary coverage for Prescription Drug coverage, this could be a good choice.
•If you prefer a fixed premium to reduce financial exposure, this could be a good choice.
•If you are not willing to accept a network less than all Medicare approved providers, this could be a good choice.

Advantages:

•Financial Exposure to Part A and Part B cost sharing can be virtually eliminated (depending on the Medicare Supplement plan selected) in exchange for a premium with a fixed cost for the year.
•Medicare Supplement plans are “Guaranteed Renewable” which protects insurability.
•Has the same broad network of Providers and Hospitals that Original Medicare offers.
•Ability to select a Standalone Medicare Part D plan which is suited to your specific prescription drug needs.
•Coverage for Medicare Prescription Drug Benefits
•Avoids Late Enrollment Penalty (LEP) for Medicare Part D Prescription Drug Benefits.

Disadvantages:

•There is a premium which must be paid for the Medicare Supplement plan.
•For those who do not qualify for “Extra Help” paying for their Prescription Drugs, there would be a premium for Part D.

Costs:

Cost Sharing would depend on the Medicare Supplement plan you choose. There are 11 plans to choose from: A, B, C, D, F, G, K, L, M, N and High Deductible F. Premiums for each plan will vary based on the insurance company you choose.