You may find extra benefits in the plan you choose.
Medicare Advantage, also known as Medicare Part C, is a plan offered by a private company that contracts with Medicare to provide Medicare Part A and Part B benefits, including emergency and urgently needed care. These private plans will usually charge a premium in addition to your Medicare Part B premium. Many also have cost-sharing for services and charge a fixed amount called a copayment or coinsurance whenever you receive these specific services. If you have health coverage from your current or former employer or union when you become eligible for Medicare, your coverage may be automatically converted into a Medicare Advantage plan.
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Be informed that if you switch to Original Medicare or another Medicare Advantage plan instead, your group coverage could be terminated or health benefits may be reduced, including the health benefits of your dependents, and any other benefits you get from your company. The choice to stay with this plan, choose Original Medicare, or switch to a Medicare Part C Advantage plan must be carefully reviewed with your Professional Agent. You may choose to join a plan if you have Medicare Parts A & B; you live in the plan’s service area; and you do not have End-Stage Renal Disease.
Medicare Advantage Plans provide all Medicare benefits and covered services.
Your plan may offer extra coverage such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D) as part of the entire policy. The most common types of Medicare Part C Advantage plans are Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Private Fee-for-Service Organizations (PFFS). There are also other types of plans you may see including Special Needs Plans (SNPs), Provider Sponsored Organizations, and Medical Savings Accounts (MSAs).
Medicare Advantage plans can often have many benefits. There are many Medicare insurance options available. Individual review of your Medicare insurance needs with a certified Professional Agent will give you confidence to choose the right Medicare options for your needs.