Insurance for seniors. Made really easy.
CoverageCoach markets insurance solutions designed for Americans who are over the age of 65.
Medicare is complicated. We want to make it easy. Compare coverage options below.
Original Medicare + Medicare Supplement Insurance
Medicare Advantage Insurance
Product
Overview
Overview
Financial assistance for out of pocket costs. With these plans, you don't have provider networks.
Replaces Original Medicare. Network flexibility is determined by type of plan (HMO
vs. PPO).
Doctors Visits and Hospital Visits
Keep your doctors and hospitals if they accept Medicare.
Varies by plan type. HMO plans only cover emergency services outside your network; PPO plans
offer greater flexibility.
Specialists and
Referrals
Referrals
No referrals needed. You can see any Medicare-enrolled specialist without a referral.
Varies by plan type. HMO plans will likely require a referral; PPO plans may offer greater
flexibility.
Prescription Drug Coverage
Not included but can be purchased through a Medicare Part D plan.
Included with most plans.
Enrollment
Periods
Periods
Apply any time after you turn 65. Coverage subject to denial/higher premiums if enrolled
beyond 6 months of eligibility.
General limited to specific enrollment periods.
Monthly Costs
Monthly premium in addition to the Part B premium. Helps pay for Part A+B out-of-pocket
costs.
Monthly premium for Part B. Some plans have an additional monthly premium. Deductibles vary
by plan type and insurance carrier.
Why work with CoverageCoach?
Your insurance needs change when you turn 65. We’re here to help you understand these changes and get you the right coverage. CoverageCoach is a transparent, unbiased, and free resource for seniors looking for insurance.
*www.medpac.gov/docs/default-source/reports/chapter-2-the-next-generation-of-medicare-beneficiaries-june-2015-report-.pdf
**https://www.cms.gov/files/document/2020-medicare-trustees-report.pdf"
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