Get a FREE Quote
 

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are health plans offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, the plan provides all your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage.

Medicare Advantage plans always cover emergency and urgent care. Medicare Advantage Plans must cover all the services that Original Medicare covers, except hospice care. (Original Medicare covers hospice care even if you're in a Medicare Advantage Plan.)

Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most plans also include Medicare prescription drug coverage.

Medicare Advantage Plans must follow rules set by Medicare. However, each plan can charge different out-of-pocket costs and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan).

You usually pay one monthly premium to the Medicare Advantage plan, in addition to your Part B premium.

Different Types of Medicare Advantage Plans

  • Health Maintenance Organization (HMO) Plans
  • Preferred Provider Organization (PPO) Plans
  • Private Fee-for-Service (PFFS) Plans
  • Medical Savings Account (MSA) Plans
  • Special Needs Plans (SNP)

More about Medicare Advantage Plans

As with Original Medicare, you still have Medicare rights and protections, including the right to appeal.

Check with the plan before you get a service to find out whether they will cover the service and what your costs may be.

You must follow plan rules, like getting a referral to see a specialist or getting prior approval for certain procedures to avoid higher costs. Check with the plan.

You can join a Medicare Advantage Plan even if you have a pre existing condition, except for End-Stage Renal Disease.

You can only join a plan at certain times during the year. In most cases, you're enrolled in a plan for a year.

If you go to a doctor, facility, or supplier that doesn't belong to the plan, your services may not be covered, or your costs could be higher, depending on the type of Medicare Advantage Plan.

If the plan decides to stop participating in Medicare, you'll have to join another Medicare health plan or return to Original Medicare.

Related Links

www.medicare.gov

To get more information please contact us!

 
CONTACT DIANE:
(480) 782-1630
Cell:  (602) 295-4808
Fax:  (480) 782-1642
 

Learn more about our Workshops!

 
 

 

Phone:  (480) 782-1630  |    Cell:    (602) 295-4808  |      Fax:    (480) 782-1642