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Why You Should Consider a Medicare Advantage Plan

What is a Medicare Advantage Plan?

Medicare Advantage (Part C) Plans are offered by private insurance companies that are approved by Medicare. Medicare then pays the insurance companies to cover your Medicare benefits. When enrolling in a Medicare Advantage Plan, the plan will always provide Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) coverage.

With Medicare Advantage Plans, you are always covered for urgent or emergency care. Some Medicare Advantage Plans may also offer dental care, vision care and/or wellness programs.

There are four different types of Medicare Advantage Plans:

  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPOs)
  • Private Fee-For-Service (PFFS)
  • Special Needs Plans (SNPs)

Medicare Advantage Plans: What Are the Benefits?

  • Medicare Advantage Plans may offer dental and vision care

    Depending on the Medicare Advantage Plan in which you enroll, you may have your routine dental/vision checkups, dental cleanings, eye refractions (and more) covered – all items that are not covered by Medicare Part A or Medicare Part B.

  • If you are enrolled in a Medicare Advantage Plan, you may be eligible for the SilverSneakers program

    SilverSneakers is a free fitness program that helps millions of seniors set fitness goals and keep in shape all year round. To be eligible for the SilverSneakers program, you must be 65 years of age, and must be enrolled in a Medicare Advantage or Medicare Supplement plan. There are over 14,000 facilities to choose from.

  • Medicare Advantage Plans may offer lower premiums, smaller copays, and lower deductibles than Medicare Supplement plans.

  • Some Medicare Advantage Plans include Prescription Drug (Part D) Plans

  • Some Medicare Advantage Plans come with a maximum out-of-pocket limit

    Depending on your plan, the maximum out-of-pocket limit is determined by how much you spend on health costs each year.

  • Health Maintenance Organization (HMO) vs Preferred Provider Organization (PPO) – Which Do You Prefer?

    When enrolling in a Medicare Advantage Plan, you have the option of choosing an HMO or PPO plan. You cannot have both together. With an HMO plan, you can only go to doctors, other health care providers, or hospitals on the plan’s list except in an emergency. Many HMO plans also cover prescription drugs and allows you to pick your primary care doctor. Furthermore, you must have a referral to visit a specialist.

    PPO plans on the other hand are similar to HMO plans, but definitely have their differences. For instance, PPO plans have network doctors, prescription drug coverage, and offers extra benefits than Medicare Part and B (you may have to pay extra). You also have the freedom of no referrals when you need to see a specialist and you do not need to choose a primary care doctor.

  • To learn more about Medicare Advantage plans, click here.
  • To learn more about the Medicare Annual Enrollment Period, click here.
  • To learn more about Medicare Prescription Drug (Part D) coverage, click here.
  • To learn more about SilverSneakers, click here.