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AOI Offers Medicare & Supplemental Options

Not sure which Medicare plan is right for you?  No problem. Access one Insurance Benefit Agents are happy to help you Compare Plans.  

What It Offers:  A Medicare Supplement Insurance (often referred to as Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, & deductibles:

  • Medigap plans fill the GAP between your Medicare benefits and what you pay out of pocket

  • Some plans may offer coverage outside the US

  • Keep your original Medicare

  • Guaranteed renewable

  • Does not include Prescription Drug Coverage.

  • Stand Prescription Drug Plans can be purchased separately   

  • You have the freedom to choose your own doctor


How Do You Qualify: 

  • You must be enrolled in Medicare Parts A & B
    You must reside in plan's area. (Plans are regionally specific and can change from town to town)

  • Must not be enrolled in a Medicare Supplement Insurance plan also known as MEDIGAP.


What It Offers:  The Medicare Advantage Plan (often referred to as Part C) will provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage. ​

  • Keep your original Medicare Parts A & B and all services included.

  • May offer extra coverage like Vision, Dental, hearing and other health and wellness programs.

  • Most plans include Medicare Prescription Drug (Part D).

  • MAPD plans pay instead of Medicare, you pay co-pays for services.


How Do You Qualify: To qualify for the Medicare Advantage Plan:

  • Enrolled in Medicare Parts A & B
    Reside in Plans area.

  • Plans are regionally specific and can change from town to town.

  • Must not be enrolled in a Medicare Supplement Insurance plan also known as Medigap​​.

Medicare Supplement Plan

Medicare Advantage Plan

Original Medicare

What It Offers:  The Original Medicare Plan covers certain medical services and supplies in hospitals and doctors’ offices.  Services are either covered under Part A or Part B.  

  • Part A Covers:   Hospital Insurance helps cover, Inpatient care in hospitals or skilled nursing facility (not custodial or long-term care).  Hospice care, Home health care and inpatient care in a religious nonmedical health care institution.

  • Part B Covers:  Medical Insurance helps cover, medically necessary doctor’s service, outpatient services and may cover many preventative services.conditions!


How Do You Qualify: To qualify for the Original  Medicare Plan you are:

  • 65 years or older.

  • Under 65 with certain disabilities for two or more year.

  • Have end Stage Renal Disease.