What is a Medicare Advantage Plan?A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Most Medicare Advantage Plans also offer prescription drug coverage. What do Medicare Advantage Plans cover?Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you're in a Medicare Advantage Plan. In all types of Medicare Advantage Plans, you're always covered for emergency and urgently needed care.
Medicare Advantage Plans may offer extra coverage, like vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). In addition to your Part B premium, you usually pay a monthly premium for the Medicare Advantage Plan. You can also ask the plan for a written advance coverage decision to make sure a service is medically necessary and will be covered. If the plan won't pay for a service you think you need, you'll have to pay all of the costs if you didn't ask for an advance coverage decision. Contact us to learn more about the right Medicare Advantage plan for you. |
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Office Location: 445 Broad Hollow Rd. Suite 25 Melville, NY 11747 Mailing Address: PO Box 465 Brightwaters, NY 11718 (631) 774-3786 Click Here to Email Us |
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Disclaimer- Michael M Insurance Services does not represent all of the Medicare Health Plans available in your area. For a complete list of plans feel free to contact us or go to the Medicare.gov website for more information. Plan listings can also be found in the Medicare and You Guide which can be found in the Medicare Document Library at the bottom of the Home Page. In any case we are available to assist you in getting the answers and information you need.
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