The U.S. national healthcare system has been undergoing a series of changes since Barack Obama has taken office, and there will only be more changes in the future. It is important to keep up with these changes and how they affect your individual situation and health issues.

A Medicare Advantage plan can lower your out of pocket costs if you rarely need to visit your doctor or the hospital. However, you are taking a gamble on when you rely on this - unfortunately, you never know when you may need to go to the hospital or require other medical services. While your monthly premiums may be significantly less than with a Medicare supplement plan, your deductibles and co-payments will likely be much higher if you do need to visit your doctor or another specialist. With Medicare Advantage plans, you are essentially betting that you won't get sick in the near future - and why would you want to take that kind of gamble with your health and your bank account?

If you are a senior who has pre-existing health issues or think you may need to visit the hospital or require other medical services, you need to seriously consider purchasing a Medicare Supplement Plan. Although your initial out of pocket costs may be a little higher, Medicare supplemental insurance will be much less expensive in the long run that the alternative option of a Medicare Advantage plan. Therefore, doing the research and finding the right Medicare supplement for your needs is best long term choice for your physical and financial health.



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