How Do Medicare Advantage Plans Work?

Updated: May 14


Many Americans who receive Medicare benefits still lack knowledge and awareness of all of the available options. Even there's a high enrollment on Medicare plans; beneficiaries do not understand the benefits and services of Medicare Advantage plan.


As you think about Medicare, you'll reach the point where you are having doubts about enrolling on the Original plan or selecting the Medicare Advantage plan. If you decide to go for Part C or the Medicare Advantage plan and wonder what it is and how it works, let Medicare Geek help you.


Medicare Advantage Plan

Are you curious about what the Medicare Advantage plan is? You are not alone. Medicare Advantage plan is far different from the original one. Unlike the original plan, Medicare Advantage covers all the services that the Original program offers. Even if you ask a health insurance geeks near you, they would still say the same.


Furthermore, in all Medicare Advantage types, a beneficiary is always covered for emergency and urgent care they need. Keep in mind that the plan itself can choose to cover some costs of services that are unnecessary for you. For this reason, you need to contact your health insurance geeks and check with your provider before you apply or enroll to get the benefit that you wanted.


On the contrary, what is original Medicare?

As said earlier, Medicare Advantage is far too distinct from the Original Plan because this plan works on a fee-for-service basis. If you decide to go to Original Plan, it covers Part A (hospital care), Part B (doctor visits, lab tests, and other outpatient services), and Part D (prescription drugs).


On the other side, if you decide to enroll with Part C or the Medicare Advantage Plan, parts A, B, and D will be bundled together into one comprehensive plan. Moreover, there will be changes in some aspects of the plan that you will be choosing. Accordingly, under both plans, existing conditions will be covered, and you'll get the coverage for Medicare Plan Part D or the prescription drug costs.


What are the rules you should remember?

In Medicare, the beneficiary will pay a fixed amount each year to the companies that offer the Medicare Advantage plan monthly. According to the said rules, beneficiaries must follow a particular set of rules by Medicare.


Medicare Advantage Plan can charge different costs. Mostly, each can have different rules according to the services that you'll get. Whether you need a referral to see a doctor or need some services that don't belong to the plan, rules can change each year.


Up for Medicare? Contact Us Now!

If you want to know more if you are eligible to enroll for Medicare Advantage Plan, Health Insurance Geeks can help you. We have a set of reliable local medicare agents that are willing to help and guide you throughout your journey in Medicare.


Our local medicare agents will help you understand enrollment deadlines and find the right plan for you. We're local and ready to help. You can reach us at 808-652-5210 or send us an email at jason@themedicaregeek.com.


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