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Understanding Medicare Supplements & Medicare Advantage
Medicare does not cover all your healthcare costs. In fact, Medicare Part A and Part B only cover about 80% of medical expenses.
Medicare Supplement plans, also called “Medigap” plans, supplement your basic Medicare coverage. If you choose one of these plans, you still have your Medicare Part A and Part B coverage plus additional insurance to pay part – or all – of what Medicare does not cover.
Medicare Advantage plans completely replace your Part A and Part B Medicare insurance. You no longer use your Medicare card. Instead, you’re covered by the Medicare Advantage plan for all your healthcare needs. Medicare Advantage plans offer comprehensive coverage, and you are usually responsible for a copayment when you access care. These plans often have lower monthly premiums.
ITDR's Retiree Medical Plans
Medicare Supplement-Type Plan
Medicare Advantage Plan
Traditional government-sponsored Medicare provides Part A and Part B benefits, and the Anthem Supplement- type Plan provides additional financial protection
The Anthem insurance plan replaces traditional Medicare, providing your Part A and Part B benefits, and they also provide additional financial protection
Your choice of doctors and hospitals with no network limitations; see any provider who accepts Medicare
Your choice of doctors and hospitals with no network limitations; see any provider who accepts Medicare and the Anthem Medicare Advantage Plan; preauthorization of procedures may be required
Freedom to see any provider who accepts Medicare, with no referral required
Freedom to see any provider who accepts Medicare and the Anthem Medicare Advantage Plan, with no referral required
You may or may not have a deductible, coinsurance, or any out-of-pocket costs, depending on the Trust Plan option you choose
Your Trust Plan options have copays, coinsurance and an out-of-pocket cost maximum, and may have a deductible, depending on which plan you choose
Your provider files your claims with Medicare, and then Medicare passes the claims along to Anthem for additional payment consideration
Your provider files your claims with Anthem where it is reviewed for payment of Part A, Part B, and additional benefits
You pay insurance premium and Medicare Part B premium
You pay insurance premium and Medicare Part B premium
Who provides Medicare Part A and Part B
Provider Networks
Referrals
Your cost-share
Claims Process
Premiums
8 | Insurance Trust For Delta Retirees | 2021 Benefits & Resources Guide