The Complete Cardinal Guide




When it’s time for Medicare, consider the following:

Option 1: Original Medicare, is the choice most Medicare beneficiaries take when they start Medicare. Medicare is made up of Parts A and B, which cover hospital and medical expenses. Part A is premium-free for most while Part B requires that the user pay a small deductible and 20% of the costs. After signing up for Part A and Part B, you have the option to add a Medicare Supplement, or Medigap, policy.  These policies cover the 20% of costs that Original Medicare does not cover.

The Pros and Cons of using Medicare plans for your healthcare needs:


No Networks

You are allowed to go to any doctor or hospital who accepts Medicare, which is a large majority. .

Option to have no copays or coinsurance, even no deductibles

With certain Medicare Supplement plans, you can have no copay, coinsurance, or deductible costs. That means you just have to pay your premium each month and nothing else. This is great for people who go to the doctor a lot. 

Choice of Supplement

There are 10 different standardized Medicare Supplement plans, which are all named with a letter. Every letter plan has different benefits, but the benefits offered by the plan you choose are the same no matter which company you get it from. The only difference in the companies is price, which means you have the ability to shop around and get the best price. 

Supplement can be changed at any time during the year

Unlike Advantage plans, Supplements can be changed at any time during the year if you want to save money. 

Some plans offer extras, such as gym membership

Certain companies offer extras with their Medicare Supplement. The most used extra is the free gym membership.


More expensive

You have to pay for your Medicare Supplement, Drug plan, and, if you choose, dental and vision coverage all separately. If you have really limited funds, you might want to consider a Medicare Advantage Plan.

Health Questions for Medicare Supplement

If you want to change supplement plans to save money, you must answer health questions, unless you are in your open enrollment period. This can prevent some people from switching. 

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