Secondary health insurance is coverage you can buy separately from a medical plan. It helps cover you for care and services that your primary medical plan may not. This secondary insurance could be a vision plan, dental plan, or an accidental injury plan, to name a few. Some secondary insurance plans may pay you cash.

Hospital Income Insurance — insurance providing a stated weekly or monthly payment during the hospitalization of the insured. The benefits payable are not based on the actual expenses incurred.

Daily Benefit: State Farm pays $250 for up to 365 days when you are confined to a hospital for which a charge for room and board is made, for treatment of a covered sickness or injury.

If your employer has over 20 employees and offers group health coverage, Medicare can act as your secondary insurance. You can also delay enrollment in Medicare if you have large employer coverage because it is creditable. Part B is also secondary for individuals with FEHB coverage.

Plan F, Plan G, and Plan N are the most popular plans because they ensure predictable out-of-pocket Medicare costs. No matter which of these plans you choose, you know how much you’ll pay when you receive healthcare.

The Best Medicare Advantage Plans of 2021

• Best User Quality: Cigna.
• Best User Experience: Humana.
• Best in Educational Content: Aetna.
• Best for Bonuses: AARP.
• Best for Simplicity and Clarity: Blue Cross Blue Shield.

• Best Overall: easyMedicare.
• Aetna Medicare Advantage: Cheapest Medicare Advantage Plan.
• Humana: Best Coverage for Medicare Advantage Plan.
• Cigna: Best for Special Needs.
• Highmark: Best for Doctor and Specialist Networks.

With Original Medicare, you can go to any doctor or facility that accepts Medicare. Medicare Advantage plans have fixed networks of doctors and hospitals. Your plan will have rules about whether or not you can get care outside your network. But with any plan, you’ll pay more for care you get outside your network.

PBS explains that the federal government’s preference for MA plans started during the Obama Administration, and according to Philip Moeller, PBS contributor, it was “driven by the desire to limit health-care expenses and improve the health of Medicare enrollees at the same time.”

Percentage of Medicare spending on Advantage plans In 2019, Medicare payments to Advantage plans to fund Part A and Part B benefits were $250 billion, according to the Kaiser Family Foundation. This represents 33% of Medicare’s total spending.

Medicare Advantage Pros and Cons