What is a Medicare Advantage Plan?

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are offered by private insurance companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. You'll get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan you pick and not Original Medicare.

Click here to find which medicare plans are in your area here.

Covered services in Medicare Advantage Plans
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Medicare Advantage Plans cover all Medicare services that original Medicare cover. Medicare Advantage Plans may also offer extra coverage such as vision, hearing, dental, and/or health and wellness programs.  Most Medicare Advantage Plans include medicare prescription drug coverage (Part D).
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Rules for Medicare Advantage Plans

Medicare pays a fixed amount for your care each month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare.
However, each Medicare Advantage Plan can charge different out-of-pocket costs.

Things to consider when choosing a Medicare Advantage Plan

• Could have no monthly payment in addition to your Medicare Premium.
• Some plans require a referral to see a specialist.
• You must go to doctors that accept the plan and you must stay in the network.
• Not all plans offer out of network coverage.
  
• You can choose an HMO or a PPO.
  
• Make sure your medications are covered on the plan.
  
• Do you have Medicaid?  Some plans work with your medicaid for low out of pocket cost. 
  
• Companies can change there benefits each year. 
  

Costs for Medicare Advantage Plans

What you pay in a Medicare Advantage Plan depends on several factors.  Depending on the state you live in, some Medicare Advantage plans have a monthly premium in addition to your Medicare premium and some plans have no monthly payment. Typically when you go to the doctor or hospital you will have a co payment for the service.  Each service you get requires a different co payment amount so its good to check several plans and make sure you understand the out of pocket cost.  Its good to check with an insurance professional to find the best plans in your area or visit medicare.gov.

Drug coverage in Medicare Advantage Plans

You usually get prescription drug coverage (Part D) through the Medicare Advantage plan. In some types of medicare advantage plans that don't offer drug coverage, you can join a Medicare Prescription Drug Plan.  You can't have prescription drug coverage through both a Medicare Advantage Plan and a Medicare Prescription Drug Plan. If you do you'll be dis-enrolled from your Medicare Advantage Plan and returned to Original Medicare.

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Medicare Advantage:

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Lakeland, FL 33805
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