A Medicare Advantage plan, also known as Medicare Part C, is a type of health insurance plan offered by private companies that are approved by Medicare. Medicare Advantage plans are an alternative to traditional Medicare (Part A and Part B) and provide similar benefits.

The main difference between Medicare Advantage plans and traditional Medicare is that Medicare Advantage plans usually offer additional benefits such as vision, dental, and prescription drug coverage, as well as care coordination services. In addition, Medicare Advantage plans may have different costs, provider networks, and rules for how you get care.

If you enroll in a Medicare Advantage plan, you still pay a monthly premium for Part B, but you will also pay a separate premium for the Medicare Advantage plan. You will also be responsible for paying copayments, coinsurance, and deductibles for covered services.

It's important to note that not all Medicare Advantage plans are the same, and you should carefully review the plan's benefits, costs, and network before enrolling.

What is a Medicare Advantage Plan?

What does it cover?

Medicare Advantage plans are required to cover all the services that Original Medicare (Part A and Part B) covers, except for hospice care, which is still covered under Part A. This means that Medicare Advantage plans cover the following:

  • Inpatient hospital care (Part A)
  • Outpatient medical services (Part B)
  • Emergency care
  • Lab tests and diagnostic services
  • Preventive care (such as annual wellness visits and screenings)
  • Mental health services
  • Physical, occupational, and speech therapy
  • Durable medical equipment (such as wheelchairs and oxygen equipment)
  • Some plans may also cover additional benefits such as vision, dental, hearing, and prescription drug coverage.

However, it's important to note that each Medicare Advantage plan may have different rules, costs, and coverage limitations. It's important to review the specific details of the plan you are considering before enrolling.

Determine if you need more coverage than offered by Original Medicare offers.

step 3

Check your eligibility.

steps to enroll

Work with an independent agent to learn what plans are best for you & offered in your area.

step 4

Apply for Original Medicare Part A and Part B with your local Social Security office.

step 2

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