What is a Medicare Advantage Plan?
Medicare is the federal government’s health insurance program generally for people who are 65 or older, however it’s also available to certain younger people but who have disabilities and persons that have End-Stage Renal Disease (which is permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)
Medicare Part C (Medicare Advantage Plans)
One way to receive your medicare is through a type of Medicare health plan offered by private insurance companies that are approved by Medicare and have a federal contract with the Centers for Medicare and Medicaid Services (CMS). Medicare Advantage Plans are required by the government to provide all of your Part A and Part B benefits. Medicare Advantage Plans include the following types:
If you’re enrolled in a Medicare Advantage Plan you should know:
Most Medicare Advantage Plans package prescription drug coverage in their plans although there are some rare plans available without prescription drug coverage.
Things to Remember If You Choose to Enroll in a Part C Medicare Advantage:
What to Consider When Choosing A Medicare Plan
How much are your premiums, deductibles, and other costs? How much do you pay for services like hospital stays or doctor visits? Is there a yearly limit on what you could pay out-of pocket for medical services? Make sure you understand any coverage rules that may affect your costs.
What are the Costs in Medicare Advantage?
Medicare Advantage Part C Plans have an annual limit on your out-of-pocket costs. If you enroll in a Medicare Advantage Plan, once you reach a set maximum limit, you’ll pay $0 for covered services for the rest of the year. This makes a Medicare Advantage plan an enticing option that may be more cost effective for you.
If you’re in a Medicare Advantage Part C plan, review the “Evidence of Coverage” (EOC) and “Annual Notice of Change” (ANOC) your plan sends you each year, usually in the fall. The EOC gives you details about what the plan covers, how much you pay, and more. The ANOC includes any changes in coverage, costs, or service area effective in January. If you don’t receive an EOC or ANOC, be sure to contact your insurance plan as soon as possible. Get your plan’s contact information from your member ID card or contact us if you need assistance finding contact information for the insurance carrier.
How well does the Medicare Advantage plan cover the services you’ll need?
Coverage in a Medicare Advantage Plan
Supplemental Coverage In A Medicare Advantage
Doctor and Hospital Choice
Doctor’s and Hospital Choices in a Medicare Advantage Part C Network
Quality of Care
Travel Coverage in Medicare Advantage Plans
Medicare Advantage Plans (Part C) usually don’t cover care you get outside of the U.S.
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