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Medicare Advantage

Medicare Advantage (MA) Plans – An Overview

Medicare Advantage plans, also known as Part C coverage, are insurance plans that replace original Medicare Insurance and are run by private insurance companies. Medicare is no longer the primary insurance provider on Medicare Advantage plans, though you must have Part A and Part B on Medicare.

Be aware that each Medicare Advantage plan could have different “out of pocket” maximums. Individuals must also live within your own service area and may only have one advantage plan at a time. Each private company is reimbursed by Medicare.

Click Here To View Medicare Plan Comparison Chart

What Types of Medicare Advantage Plans Are There?

There are different plans that you may choose from. The following are the 3 most common plans, however there are others that you may choose:

  • Medicare HMO (Health Maintenance Organization) – Must receive care from network provider. Prescription drugs are covered. You usually have to choose a primary doctor and you will most likely need referrals to see specialists. You will also have to find a new doctor if your doctor decides to leave the plan.
  • PPO (Preferred Provider Organization) Plan – You can use any doctor, but if you go out of the network, you will pay higher prices.
  • PFFS (Private Fee For Service) Plan – You will be able to go to any provider. The provider must agree to see and to treat you. If doctors are willing to bill the plan, then you will not have any problems. You don’t have to choose a particular doctor and you don’t need any referrals to see specialists. The plan itself decides what you pay. The provider can decide to accept on person, but is not required to see the next.

Assessing the best Medicare Advantage plan for your needs can get confusing – but you don’t need to do it alone!  Give our friendly and knowledgeable staff a call today and get answers to any questions you may have regarding Medicare Advantage Plans or your Medicare Insurance needs in general.