Medicare Supplements and Rx

Medicare Advantage Prescription Drug policies and Medicare Supplement (Medigap) policies

Medicare Advantage

A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

Medicare Supplement (Medigap)

Medicare Supplement insurance (Medigap) plans help cover some of the costs not covered by Medicare Parts A and B, such as deductibles and coinsurance, so you have more predictable costs. You can keep the same doctors, you are still in the Medicare program, and you have all of your Medicare rights and protections.

Medigap policies don't cover everything. Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing. Some types of insurance aren't Medigap plans, they include:

  • Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)

  • Medicare Prescription Drug Plans

  • Medicaid

  • Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)

  • TRICARE

  • Veterans' benefits

  • Long-term care insurance policies

  • Indian Health Service, Tribal, and Urban Indian Health plans

OS Insurance Services can help you choose the best Medicare plan for your needs.

  • Get The Right Policy

    We are here to help. You're just a click away from taking the stress and trouble out of choosing the right insurance policy.

  • We Can Help

    We can help you understand the different coverage types available in your state. Then you can decide what limits and deductibles best fit your needs.

  • Multi-Policy Savings

    We give you multiple ways to save money when you choose more than one insurance policy.

  • 24/7 Claims Hotline

    Because accidents, thefts, or anything can happen any time, you can call us any time. We have claims experts on call to help walk you through the claims process and provide a quick, quality response.

OS Insurance Services is proud to represent, and are authorized to offer, Medicare Advantage Prescription Drug policies as well as Medicare Supplement policies from the following companies.