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What are my options for Medicare in Buffalo, NY?

Most people are familiar with the term Medicare but do not really understand what it offers.  Part A is for hospital care, Part B for out-patient and doctor’s office visits and Part D for prescription drug coverage.  Medicare works the same in the entire country, so this is not just for people in Buffalo.

Medicare has nine very specific gaps and there are two ways to close these gaps.  The Medicare system offers both Buffalo Medicare supplement plans and Medicare Advantage plans.  If you are familiar with these options and came looking for quotes then use the form on this page or give us a call and we will be happy to help.   If you are in research mode then keep reading as we look at these two options and how you can get better coverage from Medicare.

How do Medicare supplements work?

Buffalo Medigap plans work with your Medicare coverage to give you more health insurance coverage.  There are a total of 10 Medigap plans in Buffala, NY.  Each plan will provide you with a different combination of coverage for the different gaps.  Only one plan covers all of the gaps and that is Plan F.  While this might seem like the choice that everyone would make there are ways to get just as good of coverage from the other plans for much lower premiums.  The best way to know which plan is right for you is to work with a Medicare supplement agent who can get quotes for all the plans and from all the companies in your area.  Then you can look at the coverage and the cost of each one.

How do Medicare Advantage plans in Buffalo work?

Medicare Advantage, or MA Plans, were designed to give people an option of choosing a private health insurance company for their coverage.  With a Buffalo Medicare Advantage plan the money that would have gone toward your traditional Medicare coverage goes toward your private health insurance premiums.  This gives you a lot of flexibility in the plans you can choose.  Anyone living in a populated and dense area like Buffalo can usually get very competitive rates and extensive coverage with a Buffalo MA plan.  It is much harder to describe the plans themselves because they can offer so many different options and even the plans from once city to another can be very different.  So a Rochester plan can be much different than a Buffalo MA plan (learn more about Rochester Medicare plans HERE).   One thing they all have in common is that they are required to offer at least the minimum coverage that is offered by Medicare.  The other key feature that you need to know about Buffalo Medicare Advantage plans is, due to the subsidy from Medicare, they can be SUPER inexpensive.  Some of the plans can even end up being free of premiums.

If you are ready to get started with a set of quotes for Buffalo Medicare supplemental insurance or Medicare Advantage then use the form on this page or give us a call.  We will work with you to find the best plans for your needs.