Helpful Terms Ambulance: What you pay for an ambulance ride in an emergency. Copayment/coinsurance: The set dollar amount or percentage you pay for a doctor’s visit, at the hospital or at the pharmacy. Copayment is a specific dollar amount (like $20), and coinsurance is a percentage (like 20%). Drug tier: The cost group a drug belongs to. Drugs in our Medicare Part D formulary are in one of five groups: • Tier
1 (Preferred Generic).
• Tier
2 (Generic).
• Tier
3 (Preferred Brand).
• Tier
4 (Non-Preferred Drug).
• Tier
5 (Specialty Tier).
Generally, the higher the tier, the more you pay for the drug. Some prescriptions require step therapy (for you to try a lower tier first), prior authorization or a limit on the amount you can receive at one time. If your drug isn’t covered, you can ask for an exception. For more information, see the formulary. Emergency care: The amount you pay for emergency care, like a trip to the emergency department. Inpatient hospital care: The amount you pay for a stay in an in-network hospital.* Lab: What you pay for lab services, like blood tests. Medical deductible: What you pay out-of-pocket before your coverage starts. Medical tier - The cost group a provider, hospital or facility belongs to. Two medical tiers make up the provider network.
You get more out of Medicare with Medicare Advantage.
Medicare Advantage
• Tier
2 – Other chosen providers, hospitals and facilities in the counties where OSF MedAdvantage plans are offered.
• Out-of-network
coverage – Providers not part of
Tier 1 or Tier 2. Generally, your costs for services will be the lowest when using Tier 1 providers. Outpatient surgery: What you pay for an outpatient procedure. Perks: Extra services that come with our Medicare Advantage plans but don’t come with Original Medicare. For more information turn to the Perks section. Premium: The amount you pay each month for plan coverage. You must continue to pay your Medicare Part B premium. Primary care provider (PCP) visit: The amount you pay at the doctor’s office when you visit your in-network primary care doctor.* Skilled nursing facility (SNF): What you pay for an approved stay at a SNF. Specialist visit: What you pay for each visit to an in-network specialist, like a cardiologist or orthopedic doctor.* Urgent care: The amount you pay for urgent or convenient care. Yearly limit: The limit of how much money you pay for covered medical services, including copayments and coinsurance, each year. It’s also called out-of-pocket maximum.
OSF MedAdvantage is administered by Health Alliance™ Medicare - a Medicare Advantage Organization with a Medicare contract. Enrollment in OSF MedAdvantage depends on contract renewal. Other pharmacies, physicians and providers are available in our network. Health Alliance Medicare complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex. Spanish: ATENCIÓN: Si habla español, servicios de asistencia lingüística, de forma gratuita, están disponibles para usted. Llame (800) 965-4022 (TTY 711). Chinese: 注意：如果你講中文，語言協助服務，免費的，都可以給你。呼叫 (800) 965-4022 (TTY 711).
Out-of-network/non-contracted providers are under no obligation to treat OSF MedAdvantage members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
• Tier
1 – Most OSF HealthCare providers, hospitals and facilities.
Key Benefits Guide Use the guide inside to see the amount you pay for some commonly used benefits and to learn more about some of the many perks that come with your plan. (877) 933-8480 (TTY 711) Daily 8 a.m. to 8 p.m. local time Voicemail used on holidays and weekends, April 1 – September 30 OSFMedAdvantage.org
*Review the provider directory at OSFMedAdvantage.org for our in-network doctors and hospitals. With an HMO plan, you choose a primary doctor (or PCP) from our broad network. You are not covered out of network unless it’s for emergency or urgent care. With a POS plan, you still choose an in-network PCP, but you have the freedom to go out of network. You will save money by staying in network, though.
2022 OSF MedAdvantage
MDMBOS22-OSFILNfoldguide-0621 • H1463_22_98525_M
Medicare Supplement
Comfort of having an in-network primary care provider to oversee all your care.
Generally gives you the flexibility to see any doctor who accepts Original Medicare.
Replaces Original Medicare.
Supplements Original Medicare.
May cover benefits that Original Medicare doesn't.
Only covers expenses covered by Original Medicare.
No medical underwriting.
Medical underwriting (except for guaranteed issue plans).
Lower premiums than Medicare Supplement plans.
Higher premiums than Medicare Advantage plans.
Who pays in what order: health plan, you.
Who pays in what order: Original Medicare, health plan, you.
Not age- or tobacco-rated.
Age- and tobacco-rated.
Helpful Terms Ambulance: What you pay for an ambulance ride in an emergency. Copayment/coinsurance: The set dollar amount or percentage you pay for a doctor’s visit, at the hospital or at the pharmacy. Copayment is a specific dollar amount (like $20), and coinsurance is a percentage (like 20%). Drug tier: The cost group a drug belongs to. Drugs in our Medicare Part D formulary are in one of five groups: • Tier
1 (Preferred Generic).
• Tier
2 (Generic).
• Tier
3 (Preferred Brand).
• Tier
4 (Non-Preferred Drug).
• Tier
5 (Specialty Tier).
Generally, the higher the tier, the more you pay for the drug. Some prescriptions require step therapy (for you to try a lower tier first), prior authorization or a limit on the amount you can receive at one time. If your drug isn’t covered, you can ask for an exception. For more information, see the formulary. Emergency care: The amount you pay for emergency care, like a trip to the emergency department. Inpatient hospital care: The amount you pay for a stay in an in-network hospital.* Lab: What you pay for lab services, like blood tests. Medical deductible: What you pay out-of-pocket before your coverage starts. Medical tier - The cost group a provider, hospital or facility belongs to. Two medical tiers make up the provider network.
You get more out of Medicare with Medicare Advantage.
Medicare Advantage
• Tier
2 – Other chosen providers, hospitals and facilities in the counties where OSF MedAdvantage plans are offered.
• Out-of-network
coverage – Providers not part of
Tier 1 or Tier 2. Generally, your costs for services will be the lowest when using Tier 1 providers. Outpatient surgery: What you pay for an outpatient procedure. Perks: Extra services that come with our Medicare Advantage plans but don’t come with Original Medicare. For more information turn to the Perks section. Premium: The amount you pay each month for plan coverage. You must continue to pay your Medicare Part B premium. Primary care provider (PCP) visit: The amount you pay at the doctor’s office when you visit your in-network primary care doctor.* Skilled nursing facility (SNF): What you pay for an approved stay at a SNF. Specialist visit: What you pay for each visit to an in-network specialist, like a cardiologist or orthopedic doctor.* Urgent care: The amount you pay for urgent or convenient care. Yearly limit: The limit of how much money you pay for covered medical services, including copayments and coinsurance, each year. It’s also called out-of-pocket maximum.
OSF MedAdvantage is administered by Health Alliance™ Medicare - a Medicare Advantage Organization with a Medicare contract. Enrollment in OSF MedAdvantage depends on contract renewal. Other pharmacies, physicians and providers are available in our network. Health Alliance Medicare complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex. Spanish: ATENCIÓN: Si habla español, servicios de asistencia lingüística, de forma gratuita, están disponibles para usted. Llame (800) 965-4022 (TTY 711). Chinese: 注意：如果你講中文，語言協助服務，免費的，都可以給你。呼叫 (800) 965-4022 (TTY 711).
Out-of-network/non-contracted providers are under no obligation to treat OSF MedAdvantage members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
• Tier
1 – Most OSF HealthCare providers, hospitals and facilities.
Key Benefits Guide Use the guide inside to see the amount you pay for some commonly used benefits and to learn more about some of the many perks that come with your plan. (877) 933-8480 (TTY 711) Daily 8 a.m. to 8 p.m. local time Voicemail used on holidays and weekends, April 1 – September 30 OSFMedAdvantage.org
*Review the provider directory at OSFMedAdvantage.org for our in-network doctors and hospitals. With an HMO plan, you choose a primary doctor (or PCP) from our broad network. You are not covered out of network unless it’s for emergency or urgent care. With a POS plan, you still choose an in-network PCP, but you have the freedom to go out of network. You will save money by staying in network, though.
2022 OSF MedAdvantage
MDMBOS22-OSFILNfoldguide-0621 • H1463_22_98525_M
Medicare Supplement
Comfort of having an in-network primary care provider to oversee all your care.
Generally gives you the flexibility to see any doctor who accepts Original Medicare.
Replaces Original Medicare.
Supplements Original Medicare.
May cover benefits that Original Medicare doesn't.
Only covers expenses covered by Original Medicare.
No medical underwriting.
Medical underwriting (except for guaranteed issue plans).
Lower premiums than Medicare Supplement plans.
Higher premiums than Medicare Advantage plans.
Who pays in what order: health plan, you.
Who pays in what order: Original Medicare, health plan, you.
Not age- or tobacco-rated.
Age- and tobacco-rated.
Helpful Terms Ambulance: What you pay for an ambulance ride in an emergency. Copayment/coinsurance: The set dollar amount or percentage you pay for a doctor’s visit, at the hospital or at the pharmacy. Copayment is a specific dollar amount (like $20), and coinsurance is a percentage (like 20%). Drug tier: The cost group a drug belongs to. Drugs in our Medicare Part D formulary are in one of five groups: • Tier
1 (Preferred Generic).
• Tier
2 (Generic).
• Tier
3 (Preferred Brand).
• Tier
4 (Non-Preferred Drug).
• Tier
5 (Specialty Tier).
Generally, the higher the tier, the more you pay for the drug. Some prescriptions require step therapy (for you to try a lower tier first), prior authorization or a limit on the amount you can receive at one time. If your drug isn’t covered, you can ask for an exception. For more information, see the formulary. Emergency care: The amount you pay for emergency care, like a trip to the emergency department. Inpatient hospital care: The amount you pay for a stay in an in-network hospital.* Lab: What you pay for lab services, like blood tests. Medical deductible: What you pay out-of-pocket before your coverage starts. Medical tier - The cost group a provider, hospital or facility belongs to. Two medical tiers make up the provider network.
You get more out of Medicare with Medicare Advantage.
Medicare Advantage
• Tier
2 – Other chosen providers, hospitals and facilities in the counties where OSF MedAdvantage plans are offered.
• Out-of-network
coverage – Providers not part of
Tier 1 or Tier 2. Generally, your costs for services will be the lowest when using Tier 1 providers. Outpatient surgery: What you pay for an outpatient procedure. Perks: Extra services that come with our Medicare Advantage plans but don’t come with Original Medicare. For more information turn to the Perks section. Premium: The amount you pay each month for plan coverage. You must continue to pay your Medicare Part B premium. Primary care provider (PCP) visit: The amount you pay at the doctor’s office when you visit your in-network primary care doctor.* Skilled nursing facility (SNF): What you pay for an approved stay at a SNF. Specialist visit: What you pay for each visit to an in-network specialist, like a cardiologist or orthopedic doctor.* Urgent care: The amount you pay for urgent or convenient care. Yearly limit: The limit of how much money you pay for covered medical services, including copayments and coinsurance, each year. It’s also called out-of-pocket maximum.
OSF MedAdvantage is administered by Health Alliance™ Medicare - a Medicare Advantage Organization with a Medicare contract. Enrollment in OSF MedAdvantage depends on contract renewal. Other pharmacies, physicians and providers are available in our network. Health Alliance Medicare complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex. Spanish: ATENCIÓN: Si habla español, servicios de asistencia lingüística, de forma gratuita, están disponibles para usted. Llame (800) 965-4022 (TTY 711). Chinese: 注意：如果你講中文，語言協助服務，免費的，都可以給你。呼叫 (800) 965-4022 (TTY 711).
Out-of-network/non-contracted providers are under no obligation to treat OSF MedAdvantage members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
• Tier
1 – Most OSF HealthCare providers, hospitals and facilities.
Key Benefits Guide Use the guide inside to see the amount you pay for some commonly used benefits and to learn more about some of the many perks that come with your plan. (877) 933-8480 (TTY 711) Daily 8 a.m. to 8 p.m. local time Voicemail used on holidays and weekends, April 1 – September 30 OSFMedAdvantage.org
*Review the provider directory at OSFMedAdvantage.org for our in-network doctors and hospitals. With an HMO plan, you choose a primary doctor (or PCP) from our broad network. You are not covered out of network unless it’s for emergency or urgent care. With a POS plan, you still choose an in-network PCP, but you have the freedom to go out of network. You will save money by staying in network, though.
2022 OSF MedAdvantage
MDMBOS22-OSFILNfoldguide-0621 • H1463_22_98525_M
Medicare Supplement
Comfort of having an in-network primary care provider to oversee all your care.
Generally gives you the flexibility to see any doctor who accepts Original Medicare.
Replaces Original Medicare.
Supplements Original Medicare.
May cover benefits that Original Medicare doesn't.
Only covers expenses covered by Original Medicare.
No medical underwriting.
Medical underwriting (except for guaranteed issue plans).
Lower premiums than Medicare Supplement plans.
Higher premiums than Medicare Advantage plans.
Who pays in what order: health plan, you.
Who pays in what order: Original Medicare, health plan, you.
Not age- or tobacco-rated.
Age- and tobacco-rated.
Plan Costs Plan† 1 2
3
$3,900
20%
$295
$35
$35
$25
$60
$50
25%
$0
$0
$0
$0
$3,900
$35
$4,750
Tier 2 OON
Tier 1
$0
$90
$40
OSF MedAdvantage Open (HMO-POS)
PCP Visit
$295
$0
Tier 1
Yearly Limit (doesn’t include pharmacy)
$0
Tier 2
IN
$39
$0
$150
$0
OON
Emergency Services Urgent Care+
Virtual Visit
OSF MedAdvantage Core (HMO)
Premium Medical Deductible
Diagnostic Services
Emergency Care***
Specialist Visit
Network
OSF Enrich (HMO-POS)
Office Visits Physical Therapy
Chiropractic Lab
X-Ray
CT/MRI
$0
$10
$20
$15
$40
$40
$50
$0
$40
$20
20%
20%
$0
$10
$0
$10
$20
$10
$4,750
$35
$50
$0
$40
$20
$11,300
$50
$60
$0
$60
$0
$0
$0
$0
$0
$0
$0
Ambulance»
Initial Rx Coverage
Hospital Services
(for 30-day supply)
Outpatient Hospital Care
Inpatient Hospital Care^ (including services received)
Skilled Nursing Facility (noncustodial Rx Deductible care based on medical necessity) 1
2
3
4
5
$0
$275
$300/Day (1-5), $0/Day (6+), Non-Medicare covered stays follow Tier 2 benefit.
$0/Day (1-20), $165/Day (21-100).
$90
$0
$375
$350/Day (1-5), $0/Day (6+).
$0/Day (1-20), $188/Day (21-100).
$295
$90
$0
$275
$250/Day (1-7), $0/Day (8+), Non-Medicare covered stays follow Tier 2 benefit.
$0/Day (1-20), $160/Day (21-100).
$60
$295
$90
$0
30%
$325/Day (1-6), $0/Day (7+).
$0/Day (1-20), $188/Day (21-100).
25%
25%
$295
$90
$0
50%
$600/Day (1-4), $0/Day (5-90).
$100/Day (1-20), $200/Day (21-100).
$0
$0
$0
$0
$0
$0
$0
$0/Day 1-60, $0/Day (61+).
$0/Day (1-20), $0/Day (21-100).
$0
$0
$0
$0
$0
$0
$0
$0
$0/Day 1-60, $0/Day (61-90).
Rx Cost by Tier
Rx Coverage
$0
$2
$15
$47
50%
33%
Tier 1 coverage through the gap
$0
$2
$15
$47
50%
33%
Tier 1 coverage through the gap
$2
$15
$47
40%
30%
Tier 1 coverage through the gap
$0/Day (1-20), $0/Day (21-100).
$175 (Tiers 3, 4, 5)
4
HMO Basic (HMO)
IN
$0
$0
$6,700
$10
$45
$0
$40
$20
20%
20%
$150
$275
$90
$65
20%
$300/Day (1-6), $0/Day (7+).
$0/Day (1-20), $188/Day (21-100).
N/A
N/A
N/A
N/A
N/A
N/A
N/A
5
HMO Basic Rx (HMO)
IN
$33
$0
$6,700
$5
$45
$0
$40
$20
$20
20%
$150
$275
$90
$65
20%
$300/Day (1-6), $0/Day (7+).
$0/Day (1-20), $188/Day (21-100).
$0
$2
$15
$47
50%
33%
Tier 1 coverage through the gap
6
HMO 40 Rx (HMO)
IN
$75
$0
$4,700
$10
$40
$0
$40
$20
$15
$10
$150
$275
$90
$40
$275
$275/Day (1-7), $0/Day (8+).
$0/Day (1-20), $188/Day (21-100).
$0
$2
$15
$47
50%
33%
Tier 1 coverage through the gap
7
HMO 20 Rx (HMO)
IN
$125
$0
$4,000
$20
$40
$0
$40
$20
$10
$0
$5
$275
$90
$25
$275
$250/Day (1-7), $0/Day (8+).
$0/Day (1-20), $188/Day (21-100).
$0
$2
$15
$47
50%
33%
Tier 1 coverage through the gap
8
POS Basic (HMO-POS)
IN
$23
$0
$6,700
$35
$50
$0
$40
$20
$40
$40
$40
$350
$90
$65
25%
$450/Day (1-4), $0/Day (5+).
$0/Day (1-20), $188/Day (21-100).
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$11,300
$50
$65
$0
$50
$50
$50
$50
$50
$350
$90
$65
25%
$600/Day (1-6), $0/Day (7-90).
$100/Day (1-20), $200/Day (21-100).
$6,700
$15
$50
$0
$40
$20
$40
$50
$50
$350
$90
$65
25%
$450/Day (1-4), $0/Day (5+).
$0/Day (1-20), $188/Day (21-100).
$0
$2
$15
$47
50%
33%
Tier 1 coverage through the gap
$11,300
$50
$65
$0
$50
$50
$50
$50
$50
$350
$90
$65
25%
$600/Day (1-6), $0/Day (7-90).
$100/Day (1-20), $200/Day (21-100).
$5,500
$15
$45
$0
$20
$20
$40
$40
$40
$275
$90
$40
$325
$350/Day (1-5), $0/Day (6+).
$0/Day (1-20), $188/Day (21-100).
$0
$2
$15
$47
50%
33%
Tier 1 coverage through the gap
$11,300
$50
$50
$0
$50
$50
$50
$50
$50
$275
$90
$40
$375
$375/Day (1-8), $0/Day (9-60), $200/Day (61-90).
$200/Day (1-20), $400/Day (21-100).
$4,500
$20
$30
$0
$20
$20
$0
$0
$0
$275
$90
$30
$275
$250/Day (1-8), $0/Day (9+).
$0/Day (1-20), $188/Day (21-100).
$0
$2
$15
$47
50%
33%
Tier 1 coverage through the gap
$5,750
$40
$40
$0
$30
$45
$30
$30
$30
$275
$90
$30
$325
25%
$85/Day (1-20), $225/Day (21-100).
OON
9
POS Basic Rx (HMO-POS) IN
$53
$0
OON
10
POS 30 Rx (HMO-POS)
IN
$105
$0
OON
11
POS 10 Rx (HMO-POS)
IN
$165
$0
OON
Key: This is a summary of commonly used benefits. IN means in network, and OON means out of network.
»
N on-emergency cost-sharing may vary. Contact the plan for details.
The OON yearly limit includes your combined costs for both in-network and out-of-network care.
*** Emergency care available worldwide. +
Also called convenient or walk-in care.
† M embers on POS plans may pay more for preventive care out of network.
^
Y ou pay nothing for days 91 and beyond in network.
#
Not available on OSF Enrich.
Perks and Programs HEARING BENEFIT#
Through TruHearing®, you can get one routine hearing exam for a $45 copay and lowered rates on up to two TruHearing hearing aids per year when you see a TruHearing provider.
DENTAL COVERAGE
Get help paying for dental services, like cleanings, X-rays and more, with coverage up to $1,500 a year. (OSF MedAdvantage Enrich has a $1,000 coverage limit.)
OTC4ME
Get 10% off on over-the-counter (OTC) products online or by phone.
BE FIT
Get fit with a $360/year reimbursement on a variety of fitness activities. If your fees are more than $360 a year, you pay the difference. If they’re less, we pay you back the amount you paid. Be Fit doesn’t cover fitness trackers, personal trainers or personal equipment.
VISION COVERAGE #
Get access to vision services beyond what Original Medicare covers, including a routine vision exam with an in-network provider. Plus, get a $150 allowance for eyewear.
Helpful Terms Ambulance: What you pay for an ambulance ride in an emergency. Copayment/coinsurance: The set dollar amount or percentage you pay for a doctor’s visit, at the hospital or at the pharmacy. Copayment is a specific dollar amount (like $20), and coinsurance is a percentage (like 20%). Drug tier: The cost group a drug belongs to. Drugs in our Medicare Part D formulary are in one of five groups: • Tier
1 (Preferred Generic).
• Tier
2 (Generic).
• Tier
3 (Preferred Brand).
• Tier
4 (Non-Preferred Drug).
• Tier
5 (Specialty Tier).
Generally, the higher the tier, the more you pay for the drug. Some prescriptions require step therapy (for you to try a lower tier first), prior authorization or a limit on the amount you can receive at one time. If your drug isn’t covered, you can ask for an exception. For more information, see the formulary. Emergency care: The amount you pay for emergency care, like a trip to the emergency department. Inpatient hospital care: The amount you pay for a stay in an in-network hospital.* Lab: What you pay for lab services, like blood tests. Medical deductible: What you pay out-of-pocket before your coverage starts. Medical tier - The cost group a provider, hospital or facility belongs to. Two medical tiers make up the provider network.
You get more out of Medicare with Medicare Advantage.
Medicare Advantage
• Tier
2 – Other chosen providers, hospitals and facilities in the counties where OSF MedAdvantage plans are offered.
• Out-of-network
coverage – Providers not part of
Tier 1 or Tier 2. Generally, your costs for services will be the lowest when using Tier 1 providers. Outpatient surgery: What you pay for an outpatient procedure. Perks: Extra services that come with our Medicare Advantage plans but don’t come with Original Medicare. For more information turn to the Perks section. Premium: The amount you pay each month for plan coverage. You must continue to pay your Medicare Part B premium. Primary care provider (PCP) visit: The amount you pay at the doctor’s office when you visit your in-network primary care doctor.* Skilled nursing facility (SNF): What you pay for an approved stay at a SNF. Specialist visit: What you pay for each visit to an in-network specialist, like a cardiologist or orthopedic doctor.* Urgent care: The amount you pay for urgent or convenient care. Yearly limit: The limit of how much money you pay for covered medical services, including copayments and coinsurance, each year. It’s also called out-of-pocket maximum.
OSF MedAdvantage is administered by Health Alliance™ Medicare - a Medicare Advantage Organization with a Medicare contract. Enrollment in OSF MedAdvantage depends on contract renewal. Other pharmacies, physicians and providers are available in our network. Health Alliance Medicare complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex. Spanish: ATENCIÓN: Si habla español, servicios de asistencia lingüística, de forma gratuita, están disponibles para usted. Llame (800) 965-4022 (TTY 711). Chinese: 注意：如果你講中文，語言協助服務，免費的，都可以給你。呼叫 (800) 965-4022 (TTY 711).
Out-of-network/non-contracted providers are under no obligation to treat OSF MedAdvantage members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
• Tier
1 – Most OSF HealthCare providers, hospitals and facilities.
Key Benefits Guide Use the guide inside to see the amount you pay for some commonly used benefits and to learn more about some of the many perks that come with your plan. (877) 933-8480 (TTY 711) Daily 8 a.m. to 8 p.m. local time Voicemail used on holidays and weekends, April 1 – September 30 OSFMedAdvantage.org
*Review the provider directory at OSFMedAdvantage.org for our in-network doctors and hospitals. With an HMO plan, you choose a primary doctor (or PCP) from our broad network. You are not covered out of network unless it’s for emergency or urgent care. With a POS plan, you still choose an in-network PCP, but you have the freedom to go out of network. You will save money by staying in network, though.
2022 OSF MedAdvantage
MDMBOS22-OSFILNfoldguide-0621 • H1463_22_98525_M
Medicare Supplement
Comfort of having an in-network primary care provider to oversee all your care.
Generally gives you the flexibility to see any doctor who accepts Original Medicare.
Replaces Original Medicare.
Supplements Original Medicare.
May cover benefits that Original Medicare doesn't.
Only covers expenses covered by Original Medicare.
No medical underwriting.
Medical underwriting (except for guaranteed issue plans).
Lower premiums than Medicare Supplement plans.
Higher premiums than Medicare Advantage plans.
Who pays in what order: health plan, you.
Who pays in what order: Original Medicare, health plan, you.
Not age- or tobacco-rated.
Age- and tobacco-rated.