Redstone Federal Credit Union

6 | r e d f c u.o r g R E D S T O N E I N S U R A N C E S E RV I C E S ere's no one-size-fits-all when it comes to Medicare plan options. When choosing which Medicare plan is best for you, deciding between Medicare Advantage and Medicare Supplements, also known as MediGap, can be extremely confusing. Knowing your health and how you will use the plan will help you determine which plan will best fit your needs. Medicare Advantage plans often require you to use doctors and hospitals in the plan network. Most Medicare Advantage plans include prescription drug coverage and offer additional features and benefits beyond Medicare Parts A and B (Original Medicare). Generally, with these plans, you pay a low or $0 monthly plan premium (in addition to your Part B premium). Medicare Supplements/MediGap are designed to help cover out-of-pocket expenses. ese plans complement your existing Original Medicare coverage. Depending on the plan you choose, you may receive coverage for many out-of- pocket expenses that Part A and Part B do not cover, such as deductibles, coinsurance, and copayments. MediGap coverage goes with you when you travel across the United States and, depending on the plan, may cover emergency care when traveling abroad. Unfortunately, MediGap policies do not include prescription drug coverage, and you will need to purchase a Part D plan for an additional cost. Ultimately, the choice between Medicare Advantage and Original Medicare with supplements/MediGap is a personal one that reflects each applicant's health, risk, and approach to personal finances. It takes researching and dissecting the various plans that fall under the Medicare umbrella to truly know which plan will work best for you. Contact Roderick Green, Insurance Specialist at Redstone Insurance Services, to help answer your Medicare questions. Call 256-617-6005 to set up your personal appointment today. Choosing the Best Medicare Plan for You Redstone Services Group SM , LLC, d/b/a Redstone Insurance Services, is a wholly owned subsidiary of Redstone Federal Credit Union ® (RFCU ® ) but is a separate entity. Redstone Services Group, LLC, is a licensed insurance agency that sells insurance policies issued by third-party insurance companies. The insurance products are not products or obligations of RFCU, are not NCUA or federally insured, and are not endorsed, warranted, recommended, or guaranteed by RFCU or any government agency. The insurance products may be offered by a dual employee who also sells insurance products on behalf of a third-party insurance company. RFCU and its affiliates are committed to fair, equitable, and nondiscriminatory practices.

• Cover