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Choosing Medicare Advantage

There are lots of great insurance companies. Upon reaching the age of 65, Seniors should strongly consider the Medicare Advantage Insurance Plan

Health Insurance is important for peace of mind and avoiding debt!

  • For Seniors, its just a matter of time when health costs will occur.  With that said, Seniors can avoid huge medical bills with Medicare Advantage Health Insurance.
  • Health Insurance enables free preventive care, like flu shots, cancer screenings, and tests for high blood pressure.
  • Medicare Advantage can save the insured money on prescription drugs
  • Medicare Advantage provides coverage for mental health, addiction, and other similar types of service. 

What to select

For those in special medical groups and Seniors who are 65 years old and meet the standards to enroll in the Medicare Program, there are choices between getting the Original Government Medicare benefits and the Medicare Advantage (MA) plan that offers added coverage like dental, vision and hearing.

For a senior to decide which of the two Medicare plans is best, research and lots of questions should be answered.  Above all, the goal is to totally understand the two Medicare Insurance Health Plans.  Also, it will require that a person thinks about his or her health needs – now and in the future – with regards to earning power and the present and future budget.

So, as talked about above, it is prudent to learn what the original Medicare program provides, how the various parts (A, B & D) work together, and the key differences between them.  Also, it is equally important to ask questions, learn from an expert, and gather data about Medicare Advantage Insurance plans.  For Seniors wishing to find out more about both Medicare plans, we stand ready to help. Just fill out the form below and one of our health insurance experts will contact you.

After qualifying for the Government’s Medicare Program, the insurance can be bought through either the Government where Original Government Medicare is bought or a Medicare Advantage Plan, which is bought from a private company. As a result, those interested in Medicare Advantage plans should review the below key variances between these two plans when deciding which plan to buy.

Original Medicare vs Medicare Advantage

Original Medicare: 

The original Medicare program offers healthcare insurance directly through the federal government’s Medicare Plan.

Includes:

  • Part A Coverage (inpatient & hospital) and Part B Coverage (outpatient & medical).
  • Most doctors, but not all, will take Medicare insurance.
  • Medicare Insurance limits the billing of participating or non-participating providers.
  • The Original Medicare program provides a serialized registration card to enrollees to present to health providers when receiving medical care.

Medicare Advantage:

This Health Insurance is offered by Health providers who contract with the federal government to provide Medicare benefits:

  • Medicare Advantage Plans must provide the same benefits offered by the Original Medicare plan, but may apply additional benefits, different rules, costs, and restrictions.
  • The Original Medicare Plan does not offer all of the benefits that Medicare Advantage Plans do.
  • Medicare Advantage programs are also known as Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Private Fee-For-Service (PFFS) plans.

Over the years, the rules and guidelines for Medicare have been reviewed many times and proven worthy of the program.  However, there are still conflicting interpretations and as Medicare experts, we can be of help.  In conclusion, give us a call for any Medicare clarification.  Hence, We are here to be of help.

Also, please be aware that Medicare Advantage Insurance Plans will be different around the country and the two plans can be different in the same city or town.  In large metropolitan areas, there can be several different Medicare Advantage Plans.  Therefore, the best way to learn the differences between Original Medicare and Medicare Advantage — to make the best decision based on individual needs — is to contact us by either phoning or completing the form below.  As a result, one of our expert Medicare representatives will then contact you.  Also, you will not be the subject of any high-pressure sales, and there will be no obligation.

In conclusion, the data below compares the Original Government Medicare Insurance with Medicare Advantage Insurance.  Finally, for those interested in getting a Medicare Insurance policy why not speak to one of our experts for all of the facts.  There is no charge!

Medicare Advantage Insurance

 

Original Medicare

Medicare Advantage

Costs Charges are monthly for Part B.  After meeting the deductible, there is a 20% coinsurance payment for Medicare-covered medical services when you see a participating provider. The cost-sharing differs depending on the plan, and in-network care usually has a co-payment cost.  However, there are extra charges for out of network care & for added benefits like hearing and vision.
Supplemental insurance Policyholders can buy a Medigap policy to cover Medicare cost-sharing. A Policyholder cannot buy a Medigap policy.
Provider access Enrollees can see any provider and use any facility that accepts Medicare (participating and non-participating). Medicare Advantage patients can only see and be treated by in-network health care providers without paying more charges.
Referrals Patients do not need to get a referral to see specialists. Typically, patients will need referrals to see a specialist.
Prescription coverage Medicare by itself does not have a prescription drug plan, and therefore, enrollees must sign up for a stand-alone prescription drug plan. In most cases, Medicare Advantage provides prescription drug coverage, which may require a higher cost.
Other benefits This Medicare Plan does not cover vision, hearing, or dental costs. The policy may cover vision, hearing, dental, and more.  However, this coverage usually costs more.
Out-of-pocket limit There is no out-of-pocket limit. There is a yearly out-of-pocket limit.  Upon reaching the out-of-pocket limit, the policy will cover all health care provided.