When you retire or begin receiving Social Security disability benefits, you have access to Medicare coverage. However, this coverage alone is not enough to pay for all of your medical expenses. In fact, it can leave you with a significant amount of medical debt to pay on your own.

Instead of forgoing medical services or face going into debt for healthcare that you need, you can take out a supplement policy to act as secondary to Medicare. You can get this additional coverage by investing in a practical and affordable Medicare Advantage plan.

Supplemental Services

When you shop for a Medicare Advantage plan, you want to find out if it is capable of offering supplemental coverage for services that you might need. You may need to go to the eye doctor regularly to get new glasses or contacts, for example. Instead of paying for these visits out of your own pocket, you may want to invest in a Medicare Advantage policy that will pay for most or all of these supplemental costs for you. 

You can find Medicare Advantage plans that offer you coverage for going to the eye doctor, dentist, and other miscellaneous healthcare providers. You can use your coverage to meet the costs for important healthcare services that you need to stay safe and healthy.

Prescription Coverage

You also need to look for a Medicare Advantage plan that offers prescription coverage. This coverage is part of your Medicare Part D policy. Medicare alone may not pay for all of your prescription costs for you.

When you look for a Part D Medicare Advantage policy, you want to make sure that it is widely accepted in the city or county where you live. You also want to make sure that it pays for prescriptions that you take on a regular basis.

Finally, you want to look for a Medicare Advantage policy that will pay for hospitalizations, surgeries and other catastrophic services. Some hospitals may not be able to get Medicare to pay for all of your hospital care for you. They need you to have a Medicare Advantage plan to back up your Medicare coverage to keep your costs low and get some services approved for you.

A Medicare Advantage plan can be a vital plan in which to invest. It can pay for miscellaneous healthcare services, cover prescription costs, and lower the costs for hospital stays and any surgeries. Talk with a Medicare consultant, such as Senior Insurance Benefit Specialist, to learn more.