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WHAT MAKES MEDICARE ADVANTAGE AN ADVANTAGE
Medicare Advantage covers every service that Original Medicare offers in addition to:
● Inpatient services
● Outpatient services
● Prescription drug coverage.
It also provides coverage for services that Original Medicare doesn’t like:
● Over the counter benefits
● health club program
Medicare Advantage’s network is not as widespread as Original Medicare, meaning that your treatment options are limited to your plan’s network area.
Original Medicare doesn’t have this issue, as you can get treatment in any healthcare facility in the U.S. that accepts Medicare.
Out-of-network coverage is either more costly or not even an option, depending on the specific policy you choose.
You can’t have supplemental insurance with Medicare Advantage, either. You are to decide between one or the other.
The other downside is dependent upon the specific Medicare Advantage plan you choose. Some will make you choose a primary care physician and require referrals from that physician before you can see a specialist. Other Medicare Advantage Plans, such as Preferred Provider Organization (PPO) Plans, allow you to see physicians outside the network. You should evaluate each of the individual Medicare Advantage Plan’s features separately to determine which one is right for you.
TYPES OF MEDICARE ADVANTAGE PLANS
● Health Maintenance Organization (HMO)
● Preferred Provider Organization (PPO)
● Health Maintenance Point-of-Service (HMOPOS)
● Paid Fee-for-Service (PFFS)
● Medicare Savings Account (MSA)
● Special Needs Plans (SNP)
We are here to help you determine if Medicare Advantage is right for your medical needs. Reach out to us today to learn more.
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