Medicare Advantage plans, also known as Medicare Part C, replace Medicare Part A and Part B coverage, and usually include coverage for prescription drugs, known as Part D coverage. Some plans have $0 (zero) premium and richer benefit plans will cost you a little more. Finding the right plan to fit your lifestyle is very important. Every year new plans are introduced and changes are made to existing plans. Even if you are happy with your current plan, it is a good idea to review your plan to assure it meets your needs:

• Is your health care provider and hospital in the network?
• Does the plan cover your prescription drugs?
  
• Do you have coverage when you travel?
• Are other important benefits covered?
• Does the plan fit your budget in terms of premium and out of pocket costs?
  

If you are on Original Medicare,  Medicare Supplement or a Medicare Advantage Plan that does not include prescription drug coverage, it is important to purchase a Prescription Drug Plan (PDP). If you do not have  Part D coverage, you may have to pay higher premiums for Part D coverage when you do enroll because you will be penalized by Medicare at 1% per month for every month that you did not have coverage.  

​Suder Group represents the following health insurance companies:

Regence Blue Shield Medicare Advantage and Medicare Supplement Plans

United Healthcare Medicare Solutions

Aetna Medicare Advantage PPO Plans

Premera Blue Cross Medicare Advantage and Medicare Supplement Plans

Kaiser Permanente Medicare Advantage Plans

Medicare Supplement Insurance, also known as Medigap, provides benefits to help cover the costs remaining after original /standard Medicare Part A and or Medicare Part B has paid.  Medicare Supplement will pay only for the services that original Medicare pays. There are a variety of Medicare Supplement plans available and the amount they cover depends on the plan you choose. Medicare Supplement does not cover prescription drugs; you will need to purchase a standalone Part D Prescription Drug Plan (PDP) to assure you have coverage and to avoid paying more for Part D coverage later on.