Original Medicare does not cover all of your medical expenses. A Medicare Supplement plan helps fill the expenses not covered by original Medicare. A Medicare supoplement may be purchased along with Part D presciption drug coverage.
Medicare Advantage Plans
Medicare Advantage plans are an alternative to original medicare. A Medicare Advantage Plans is offered by private insurance companies. They often provide additional benefits that original medicare does not provide. These plans also may offer a paid prescription as well.
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Medicare Part A, B and D may be enough coverage for some, but for the majority of the population the coverage just isn’t enough. That is where a Medicare Advantage plan comes into play. These plans will help you cover your medical expenses while oftentimes giving added benefits to you. Each plan has its own little nuances, and what is right for me may not be right for you. That is why it is very important you speak with a licensed and certified insurance broker who can assist you in finding the right plan for you.
Our licensed sales agents are here to listen to your needs to find the right Medicare plan for you.
Frequently Asked Questions
What is a medicare Advantage Plan:
Medicare Advantage plans, also known as “MA Plans” or “Part C” are an alternative to traditional medicare. While you still have “Medicare” these plans bundle medicare part A and Part B, oftentimes even part D to give you a comprehensive plan option. These plans are regulated by the federal government and any company who wishes to offer a MA Plan must abide by strict regulations.
What does a Medicare Advantage plan Cover:
MA Plans cover all of the same services that traditional medicare would cover, while often adding some additional benefits such as: Dental, Vision, Hearing, gym membership, transportation and much more.
Cost on a Medicare Advantage plan:
What you pay when you see the doctor or have an inpatient/outpatient procedure depends on several factors. Medicare pays a fixed amount to the Insurer each month for your services, and the plan must abide with certain boundaries, but each medicare advantage plan can charge different out of pocket cost and even have different rules by which you can obtain services, so long as they stay with the boundaries set forth by Medicare
Are my Prescriptions covered?
While not all MA Plans offer Part D (prescription drug coverage), most do. Each plan chooses the copay and or coinsurance for drugs based on a tier rating. This information can be found in your plan formulary.
Can I have both a Medicare Supplement and a Medicare Advantage
Medicare Supplements do not in unison with Medicare Advantage plans. If you are enrolled in a Medicare Advantage plan and choose to enroll in a stand alone PDP plan, you will be disenrolled from your medicare advantage plan and return to original medicare