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Understanding Medicare may seem like a confusing task, but we’re here to help. Our team of experts here at Medicare Max USA is filled to the brim with up-to-date Medicare knowledge. Here are a few key points to get you started.
Medicare Parts A and B cover hospital and medical care. Parts C and D cover additional benefits and prescription drugs. Interested? Call us at 833-762-9669.
Medigap plans do not provide added benefits—they instead supplement your Original Medicare coverage costs. To be eligible for this form of coverage, then, you must also be covered by Original Medicare, or Parts A and B.
Medicare Advantage, or Part C, is a type of plan that provides additional benefits that Original Medicare alone does not.
Medicare Max USA will freely give you the pricing, coverage, and provider information you need to choose the right plan. We’re a small business that wants what’s best for its customers.
Medicare Max USA’s blog features all the relevant Medicare news and information you need to feel up-to-date. National and local news, changes in payments and coverage, new laws, etc. are all expertly covered in an interesting and informative style.
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Medicare Advantage, sometimes referred to as Medicare Part C, is a full-coverage alternative to Medicare Parts A and B. This plan takes on different forms to provide the coverage you need at a price you can afford.
Unlike Original Medicare that is offered by the federal government, Advantage plans are offered by private insurers. This means that you must seek out and apply for this type of plan. The eligibility requirements are the same as Parts A and B, and Advantage plans are all legally required to include all the same benefits as Original Medicare.
Medicare Advantage covers a huge variety of medical supplies and services. While the coverage options vary between plans and location, in general, most all Advantage plans will cover vision, hearing, dental, wellness programs, etc.
Plan packages can often be discussed between you and the plan to provide the exact coverage you need. In many cases, prescription drugs (Medicare Part D) are also included in these plans.
There are four general variations of Medicare Advantage, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), and Special Needs Plans (SNPs). Each of these categories can be matched to you, providing necessary personalization and coverage options.
One of the most obvious pros of Medicare Advantage is its added benefits. Under this plan, you can be sure that you have access to the medical supplies and services you want and need.
A Medicare Advantage plan will also likely cost less than Original Medicare alone. Because you are still required to pay your Part B monthly premium, you will have to pay both this and the Advantage premium. This monthly charge, however, is very low for the amount of coverage it provides. Your copayments/coinsurance will also likely be far less under Medicare Advantage. Rather than paying a 20% coinsurance fee under Original Medicare you would instead pay a simple $10 copayment.
Medicare Advantage also combines Medicare Part D. This means that, unlike Original Medicare, you will have access to the medications you need.
Due to the nature of Medicare Advantage, your provider will coordinate your healthcare providers for you. This means that, instead of having a huge network of doctors, you may be limited to a certain network of providers. However, this network is built on high-quality doctors, and you are never restricted from emergency hospital care.
Because of the structure of this network, you may also need certain referrals for access to specialists, services, etc. More often than not, however, you will want your doctor’s opinion and referral for your healthcare needs regardless.
Our team knows that understanding your Medicare coverage options can be confusing—that’s why we’re here to help. Medicare Max USA is prepared with all the information and coverage you need to feel safe and secure in your Advantage plan. Ready to get started? Give us a call at 833-762-9669.