What makes Medicare Mall different?

With experience dating back to 1989, we provide well-known brands as well as respected brands that consumers may not be aware of. Our commitment to exceptional service includes free consultations and meticulous attention to detail, guided by our motto, ‘Do as you would for your mother.’

During consultations, we conduct a brief needs analysis to gather relevant information for recommending the most suitable plan(s). This includes identifying important physicians (primary and specialty), current prescriptions (including dosage and frequency), special needs (medical, social, psychological), and travel arrangements (in-state, interstate, or abroad).

To determine the appropriate plan recommendations, we utilize proprietary software that evaluates all available plan options in each individual’s county.

(See your plan options now)

What are the parts of Medicare?

Medicare has four parts: Part A covers in-patient hospital costs, Part B handles medical expenses including doctor visits and outpatient surgery with a monthly premium of $164.90, Part C (Medicare Advantage) offers the same benefits through private insurance companies, and prescription drug plans are typically included in Part D.

(View a detailed breakdown of the various parts)

What is Medigap?

Medigap, also known as Medicare Supplement Insurance, is an insurance plan that helps fill the gaps left by original Medicare. To be eligible for Medigap, you need to enroll in both Medicare Part A and Part B, as well as purchase a Medicare Part D prescription drug plan. Medigap offers greater flexibility in covering the costs that Medicare doesn’t fully pay for.

Medicare was never intended to cover all medical expenses, and its costs to beneficiaries have consistently risen since its establishment in 1965, while benefits have declined in certain areas. The gaps in Medicare coverage create a need for Medigap insurance, which is designed to fill these gaps and provide additional coverage.

(Top 10 things to know about Medicare Supplemental Insurance)

 What sets Medicare advantage apart from Original Medicare?

Medicare Advantage plans, unlike Original Medicare, have a cap on in-network out-of-pocket expenses, currently set at $8,300. In previous years, this maximum was $6,700 until 2020. However, the out-of-pocket limits for Advantage plans are often lower, averaging less than $5,000 in 2022. It’s important to note that this out-of-pocket maximum applies only to services covered by Original Medicare and does not include prescription drug costs, which are not covered by Original Medicare.

(View a detailed breakdown of the differences”)

How do I choose between Medicare Advantage and Medigap?

Both Medicare Advantage and Original Medicare with supplemental coverage are effective options, each offering different levels of coverage. Medicare Advantage plans provide additional benefits not found in Original Medicare with supplemental coverage, and some even have lower out-of-pocket maximums compared to the federally permitted limit. There is no definitive answer as to which option is better, as it depends on individual needs and preferences. Consulting with a qualified broker can help determine the best choice for each individual.

(11 things to consider before choosing a plan)