Medicare advantage plans include original Medicare coverage plus more
Medicare advantage plans offer more options, especially for senior citizens who may require additional medical treatments. These plans are often referred to as Part C or MA plans and are offered by private insurance companies approved by Medicare. PRS insurance can help you with Medicare advantage plans in Dallas, Denton, Fort Worth and Houston. As health care costs spiral upwards, medical treatment is often beyond the budget the man in the street. Standard Medicare coverage is by no means comprehensive, which leaves many gaps and areas where you need to foot the bills yourself.
Medicare advantage plans offer the same benefits as original Medicare but they also offer additional benefits. There are no restrictions or barriers to entry related to pre-existing conditions. The only exception could be end stage renal disease. You don’t need to undergo a physical exam to enrol for an advantage plan. There are several options when it comes to Medicare advantage plans. These plans offer enhancements and improvements to original Medicare. These plans include
- Preferred Provider Organization (PPO) Plans
- Health Maintenance Organization (HMO) Plans
- Private Fee-for-Service (PFFS) Plans
- Medical Savings Account (MSA) Plans
- Special Needs Plans (SNP)
To enroll in an advantage plan you must be entitled to Medicare A and B. You also need to continue paying your Medicare Part B premiums. These premiums could be paid by your or a third party. A Medicare advantage plan replaces your original Medicare. This means You’ll get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage but from the Medicare Advantage Plan and not Original Medicare.
If you have a Medicare Advantage Plans, you’re always covered for emergency and urgent care. Medicare Advantage Plans also offer additional coverage related to vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D).