Eligabilitiy and Enrollment
What Medicare Doesn’t Cover
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 approaches to Medicare, but will either cover all your health needs?
Original Medicare
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 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
$1,600
Cost for just ONE overnight stay in the hospital (Part A deductible)
$226
Cost for initial physician visit or first lab test (Part B deductible)
$806
20% of cost for common outpatient surgery1
$333
20% of cost for average Emergency Room visit2
Medicare Supplement Plans
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 $633 monthly. * Add a prescription drug plan, and the estimated total out-of-pocket cost reaches $10,283.40 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**
$585
avg. per month*
Popular Plan F
$46.85
per month**
Prescription Drug Plan
$164.90
per month**
Medicare Part B Premium
$10,283.40
per year**
Estimated total out-of-pocket
Choose Advantage MD—An All-in-One Option with More Coverage and an Affordable Cost.
With 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, preventative dental, routine vision, routine hearing care and $0 medical deductible.
Johns Hopkins Advantage MD
Comprehensive
Coverage
Prescription
Drugs
Plans That Fit
Your Budget
Dental, Vision
and More
Questions? Talk to us in person.
Pick a time and place that’s convenient for you, and we’ll be there to answer questions – and even sign you up on the spot. There’s no obligation.
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Personally Provided Information
If you choose to provide us with personal information by sending an email, or by filling out a form with your personal information and submitting it through our Web site, we use that information to respond to your message and to help us provide you with information or material that you request. We do not give, share, sell, or transfer any personal information to a third party unless required by law.
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Personally Provided Information
If you choose to provide us with personal information by sending an email, or by filling out a form with your personal information and submitting it through our Web site, we use that information to respond to your message and to help us provide you with information or material that you request. We do not give, share, sell, or transfer any personal information to a third party unless required by law.
*Monthly premiums for Medicare Supplement Plan F in MD range from $148 to $1,021. Based on available 2023 premium information at 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 $164.90, Medicare Supplement Plan F $585 [average], and Part D prescription drug plan $46.85) 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% co-insurance for Endoscopy with biopsy.
220% co-insurance for average emergency room visit.
