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Why UniCare’s Medicare Extension plan is the best choice

November 21, 2022
As a GIC Medicare member, you’ll choose your plan during the GIC’s annual enrollment period in April. Even though it’s currently Medicare’s open enrollment season – and you’ve probably been bombarded with insurance advertising – there’s no action you need to take.
Here’s a quick comparison of two types of Medicare plans: 
  • Supplemental plans, like UniCare’s Medicare Extension (sometimes called “Medigap” plans)
  • Medicare Advantage plans 
UniCare’s Medicare Extension
(a Medicare supplemental plan)
Common features of Medicare Advantage plans
Freedom to see the doctor you choose – There’s no network. You can use any provider that accepts Medicare. Use network providers – You get full coverage as long as you use network providers. But there’s little or no coverage for out-of-network providers. And the list of network providers can change without warning.
Coverage across the U.S. – Medicare Extension is accepted anywhere Medicare is accepted. Limited coverage areas – Outside of the network coverage area, only emergency and urgent services are covered.
No PCP or referral requirements – You don’t have to select a primary care provider, and you don’t need a referral to see the specialist you choose. PCPs and referrals are required – You must select a primary care provider (PCP), and you’ll need a referral to see a specialist. You’ll probably need preapproval for services like lab tests, imaging, and physical therapy.
Lower out-of-pocket costs – UniCare’s Medicare Extension plan covers most or all of the costs that Medicare doesn’t cover. Copays, where they apply, are usually lower than in Advantage plans. Higher out-of-pocket costs – Although federal law requires that Advantage out-of-pocket costs be capped, the cap can be as high as $10,000 a year.
Choose Medicare Extension if you want to:
  • Have the freedom to choose your doctors
  • Keep your out-of-pocket costs low
  • Have full coverage when you travel
  • Minimize the risk of owing significant costs if unexpected health issues arise
Consider an Advantage plan if you:
  • Prefer lower premiums with higher out-of-pocket costs
  • Are comfortable getting care within the service area and from in-network providers
  • Are less concerned about the cost risk if unexpected issues arise
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
To learn more about specific Medicare plans offered by the GIC, go to https://www.mass.gov/info-details/gic-medicare-health-plans. To learn more about Medicare Extension benefits, see https://www.unicaremass.com/docs/inline/UniCMA_Benefits_Summary_MedExt.pdf.