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Which Medicare Advantage Plan Best Fits My Needs?
Medicare Advantage Plans are popular as some offer no additional premiums and fit most peoples needs.
Am I Eligible For An Advantage Plan?
If you or your loved one are Medicare-eligible, and enrolled in Medicare Part A and B benefits, you can sign up for a Medicare Advantage plan.
- Pre-existing conditions do not matter (exclusion: Patients who have End-Stage Renal Disease as a pre-existing condition are not eligible).
- No physicals required.
The Advantages Of A Medicare Advantage Plan
Advantage plans can provide you benefits that are not covered by Medicare Part A and B such as vision, dental, hearing, and preventing services like annual physicals.
Some Medicare Advantage Plans have $0 Premiums
Some plans offer health coverage at no additional cost over what you already pay for your Medicare. While some have a no monthly plan premium, others do. You must continue to pay your Medicare Part B premium unless paid for under Medicaid or by another third party. Plans with prescription drug coverage are available in all service areas.
Prescription Drug Coverage
Even when you are not sure right now whether you need Medicare Part D Prescription Drug coverage, you can get it with a Medicare Advantage plan that has prescription drug coverage. Co-pays and limits apply. In addition, for PPO, RPPO and HMO-POS plans, out-of-network services may cost more than in-network services. Medicare prescription drug plans are open to anyone who is Medicare-eligible, and several options are available to meet your needs. If you have Medicare and Medicaid, you may be enrolled automatically in Part D. Participation is voluntary, and you cannot be denied for health reasons.
Coverage For Preventive Care
Medicare Advantage health plans have benefits that are not covered by Medicare Part A and B, including vision, dental, hearing, preventive services like annual physicals, and coverage for emergency services while traveling. Some Medicare Advantage plans also offer features for fitness programs.
Coverage For Doctor Visits And Hospital Stays
Some plans are designed to provide predictable co-pays for doctor and specialist visits, as well as hospital stays. In many cases, you can even see specialists without a referral. It is important to make the right choice before signing up for an Advantage plan by carefully reviewing and comparing different benefits and costs.
Health Advocates Insurance, Inc. is your Medicare Supplement and Medicare Advantage Plans specialist since 1970.
Please feel free to visit our website about Medicare Supplement and Advantage Plans and more information about your health care coverage.
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