What is/are Medicare Advantage Plans?
They are health plan options that are part of the Medicare program. If you choose to join a Medicare Advantage Plan, you typically get all your Medicare-covered health care through that plan. This coverage can also include prescription drug coverage. Medicare Advantage Plans include:
- Medicare Health Maintenance Organization (HMO)
- Preferred Provider Organizations (PPO)
- Private Fee-for-Service Plans
- Medicare Special Needs Plans
Medicare Advantage Plan members are issued a health insurance card for their health care. In most of these plans you may receive extra benefits and lower copayments than in the Original Medicare Plan. However, you may be required to see doctors that belong to the plan or may have to go to certain hospitals to get services.
You must have Medicare Part A and Part B to join a Medicare Advantage Plan. You must continue to pay your monthly Medicare Part B premium. In addition, you may have to pay a monthly premium to your Medicare Advantage Plan for the benefits that they offer.
If you have a Medigap policy, you will want to discontinue it if you join a Medicare Advantage Plan. It is required that you do so, your Medigap policy will not pay any deductibles, co-payments, or other cost-sharing under your Medicare health plan while you are enrolled in a Medicare Advantage Plan.
If you live in any of the states listed Illinois, Indiana, Ohio, Michigan, Texas, Louisiana or Mississippi. Feel Free to Contact us for more information about medicare advantage plans, providers, companies and coverage offerd in your state from: Humana, Blue Cross/Blue Sheld, AARP, Welcare, Healthspring, SHIP(state health insurance plans), Aetna, Cigna, Coventry, United Health-care and Universal American Toll Free Phone @ 1- 888-966-8579
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