MEDICARE ADVANTAGE PLANS

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A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enroled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

Understanding the Best Medicare Advantage Plans in Kentucky

 

Medicare Advantage is a private insurance plan, also known as Medicare Part C, for individuals who are eligible for Medicare. These plans are optional; however, you must be participating in both Medicare Parts A & B to qualify.

Advantage plans mainly offer additional benefits such as lower or set co-pays, dental plans, eye exams, and other services. They typically expand on Medicare’s coverage. Most add benefits to help with dental services, eyeglasses, and hearing aids. Many prescriptions, but not all, are also usually covered. Hence, it makes sense to enroll yourself in these plans to attain the maximum benefits of Medicare.

 

How to select the Best Medicare Advantage Plans in Kentucky and other US states?

 

It’s easy for anyone to get confused between the plans offered by Medicare and end up making a wrong choice. Therefore, it’s best to consider finding a reliable agent knowledgeable about all Medicare plan types and helps you enroll in the Best Medicare Advantage Plans in Indiana.

Having a skilled agent who can help guide you through the procedure, plans, costs, and benefits of a Medicare plan can make a big difference as you explore your options. Not only do they understand your choices, but they also have access to vital information that can guide you to make this critical decision.
At THEROMESGROUP, our agent is dedicated to helping simplify the process of buying the Best Medicare Advantage Plans in Ohio for people like you – people approaching retirement age who want to feel confident that they’re getting the right coverage at the best rate.

Our licensed agent is highly experienced with plans in several US states, including Ohio, Kentucky, and Indiana. He’ll begin each call by listening to you to understand your needs best and then suggest the Top Medicare Advantage Plans in Indiana available for you.

Call us today. We’re here to answer all your insurance queries before, during, and after you enroll.

How do Medicare Advantage Plans work?

Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. You’ll get your Medicare Part A (Hospital Insurance) and

Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan and not Original Medicare.

Medicare Advantage Plans cover all Medicare services

Medicare health plans provide Part A and Part B benefits to people with Medicare who enrol in these plans, which include Medicare Advantage Plans, Medicare Cost Plans, Demonstration/Pilot Programs, and Programs of All-inclusive Care for the Elderly (PACE).

Medicare Advantage Plans must follow Medicare’s rules

Medicare pays a fixed amount for your care each month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare.

However, each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan for non-emergency or non-urgent care). These rules can change each year.

Costs for Medicare health plans

Find out what factors contribute to how much you pay out-of-pocket when you have a Medicare health plan.

Drug coverage in Medicare Advantage Plans

You usually get prescription drug coverage through the plan. In some types of plans that don’t offer drug coverage, you can join a Medicare Prescription Drug Plan.

You can’t have prescription drug coverage through both a Medicare Advantage Plan and a Medicare Prescription Drug Plan. If you’re in a Medicare Advantage Plan that includes drug coverage and you join a Medicare Prescription Drug Plan, you’ll be disenrolled from your Medicare Advantage Plan and returned to Original Medicare.