MEDICARE ADVANTAGE PLANS
KEY Points
- Plans must cover ALL of Medicare eligible benefits and expenses.
- Regulated by CMS to ensure compliance. Awarded Star Ratings
- Covers Medicare Part A – Hospitalization & Skilled Nursing
- Covers Medicare Part B – Outpatient: Primary Care & Specialists, Outpatient labs, diagnostic, surgery, physical & mental health therapies, ambulance, emergency room & urgent care, Part B medications, etc.
- Most Plans include Medicare Part D – Prescription coverage
- Most plans include “Extras“: Dental, Vision, Hearing, fitness, Over the counter items, transportation.
- Plans contract with a ‘network’ of doctors, providers and hospitals
- Medical expenses are capped by a Maximum Out of Pocket (MOOP)
- Low or Zero Premium; you must continue to pay your Part B premium.
Medicare Advantage Plans do a lot more than Original Medicare. The insurance companies are paid by CMS to provide more client care and interaction, more benefits – all designed for better health and well being. Therefore they are more complex and have more moving parts.
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It’s the difference between looking under the hood of an old VW bug and a modern computer enhanced engine.
How to Discover the most effective plan for YOU!
- Do you want lower medical expenses?
- Or can you fund higher copays if something happens?
- Are all of your prescriptions covered?
- Are your doctors in the plans’ network?
- Do you spend time in another state or traveling in USA?
- How much dental, vision or hearing benefits do you need?
- What about Part B premium Giveback? This puts money back in your pocket.
- Have your needs changed from last year?
- If new to Medicare, how does this plan compare with my prior group or Marketplace plan?
Let’s get started! - Please complete our “What’s Most Important“ and together we’ll Discover your Options.
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