Medicare Leaves Gaps in Coverage, Advantage MD is Your All-in-One Plan Option
A well-rounded combination of coverage and benefits to help protect you against unexpected costs. That’s what you get with Advantage MD. Original Medicare and Medicare Supplements offer two distinctly different approaches to Medicare, but both may fall short for you. See for yourself.
Original Medicare Has Gaps
If you choose Original Medicare alone, you have to cover certain costs first before Medicare pays for anything. Then, Medicare covers about 80% of your medical costs and you have to cover the rest. See the chart below for a few examples that show how you could end up paying hundreds, even thousands, of dollars each year out of your own pocket. In fact, with Medicare alone, there is no annual limit on how much you could spend.
| Gaps By The Numbers | |
|---|---|
| Gaps By The Numbers | |
| $1,632 |
 Cost for just ONE overnight stay in the hospital (Part A deductible)
|
| $1,632 | |
| $240 |
 Cost for initial physician visit or first lab test (Part B deductible)
|
| $240 | |
| $806 |
 20% of cost for common outpatient surgery1
|
| $806 | |
| $333 |
 20% of cost for average Emergency Room visit2
|
| $333 | |
Medicare Supplement Plans Offer Less Gaps. But There Are Still Holes.
Medicare Supplements cover some out-of-pocket costs that Medicare doesn’t. But they can be expensive, and you’ll also find a number of everyday health services that are simply not covered. In Maryland, popular Plan F premiums average $617 monthly.* Add a prescription drug plan, and the estimated total out-of-pocket cost reaches $10,193.40 a year.** Carrying separate cards for Medicare, a Medicare Supplement plan, plus a drug plan can be both costly and inconvenient.
| Estimated Medicare Supplement Costs** | Estimated Medicare Supplement Costs** | |
|---|---|---|
Popular Plan F |
$617avg. per month* |
|
Prescription Drug Plan |
$57.75per month** |
|
Medicare Part B Premium |
$174.70per month** |
|
Estimated total out-of-pocket |
$10,193.40per year** |
|
Johns Hopkins Advantage MD—An All-in-One Option with More Coverage and an Affordable Cost.
With Johns Hopkins Advantage MD, you get a more comprehensive list of built-in benefits that cover your doctor, specialist and hospital care, as well as many other medical services. Plus prescription drugs, preventive dental, routine vision, routine hearing care and $0 medical deductible.
Comprehensive Coverage
Dental
Vision
Prescription Drugs
*Monthly premiums for Medicare Supplement Plan F in MD range from $157-$1,077. Based on available 2025 premium information on medicare.gov.
**Estimated annual costs for Original Medicare, Medicare Supplement Plan F and a Part D prescription drug plan for a Medicare beneficiary living in Baltimore County, Maryland. Estimate includes monthly premiums (Medicare Part B $174.70, Medicare Supplement Plan F $617 (average), and Part D prescription drug plan $57.75) and out-of-pocket costs for copayments, deductibles, coinsurance and costs not covered by insurance. Some costs are national averages and may vary depending on your health status and coverage use. Visit medicare.gov/oopc for details.
Source: FairHealthConsumer.Org; Total Fair Price Estimate
120% coinsurance for Endoscopy with biopsy
220% coinsurance for average emergency room visit
Please note: the information in this section does not apply to Advantage MD Group.
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