Supplemental Insurance

n       $$$

n       To help with 20% co-pay

n       Freedom to go to any Medicare provider

Medicare Advantage PPOs

n       $$

n       Cross between supplemental Insurance and HMOs

n       Stay within network to save $ or go to any Medicare provider

Medicare Advantage HMOs

n       $

n       Enhances Medicare coverage (at no additional cost)

n       Must stay in plan’s network