PRS Insurance Solutions can help you with Medicare advantage plans in Addison, Dallas, Denton, Fort Worth, Houston or Richardson. Medicare is a federal program that offers health insurance to seniors (65 and older) as well people with certain disabilities. If you are a senior or have a severe disability you can qualify for Medicare coverage irrespective of your income.
You can get health care coverage under the original Medicare or can choose to get coverage from one or more of the Medicare advantage plans. Medicare advantage is also referred to as Medicare private health plans or Medicare Part C. The most common types of Medicare Advantage Plans are:
- Health Maintenance Organizations (HMOs)
- Preferred Provider Organizations (PPOs)
- Private Fee-For-Service (PFFS)
In addition, there are some speciality advantage plans: Advantage Plans called
- Special Needs Plans (SNPs),
- Provider Sponsored Organizations (PSOs)
- Medicare Medical Savings Accounts (MSAs).
Medicare Advantage Plans must provide all Part A and Part B services offered by Original Medicare but can do so with different parameters and rules. The advantage plans are offered by private companies and as such they can offer benefits not available under the original Medicare.
Since Medicare Advantage must offer the same service as the original Medicare, you don’t lose any benefits by switching to an advantage plan. However, advantage plans may offer benefits such as
- Prescription drug coverage
- Vision care
- Dental care
- Hearing care
These benefits can vary widely between plans. Some plans may for example cover certain over the counter medications. Some advantage plans cover visions care and may include coverage for prescription eyewear and contact lenses. Dental care coverage can also vary between plans. Some plans may evens cover advanced dental procedures. Some plans may offer discounts for gym contracts, yoga classes and other general wellness services.