Best Medicare Part C Online Quote – Florida
Medicare Advantage Plans (Part C)
Medicare Advantage Plans are health plan options approved by Medicare and offered by private companies. These plans are sometimes called “Medicare Health Plans”, Medicare Supplemental plans or “MA plans”.
Medicare Advantage Plans provide your Medicare health coverage and may provide Medicare drug coverage. They are not supplemental insurance.
Medicare Advantage Plans (Best Medicare Part C Online Quote – Florida) provide all of your Part A (Medicare Insurance) and Part B (Medicare Insurance) coverage. This means they must cover at least all of the services that Original Medicare covers.
Some plans may offer extra coverage, such as vision, hearing, dental and/or health and wellness programs. Each Medicare Advantage Plan can charge different out-of-pocket costs. These are usually copayments but can also be coinsurance and deductibles. It is important to understand a plan’s rules before enrolling.
Medicare Advantage Plans include the following:
- Preferred Provider Organization (PPO) Plans
- Health Maintenance Organization (HMO) Plans
- Private Fee-for-Service (PFFS) Plans
- Medical Savings Account (MSA) Plans – not currently available in Georgia
- Special Needs Plans (SNP)
Considerations for Medicare Advantage Plans or Medicare Part C
- You still have Medicare rights and protections.
- You must follow plan rules to avoid higher costs.
- You can join a Medicare Advantage Plan even with pre-existing conditions, except End Stage Renal Disease (ESRD).
- If you see a doctor who does not belong to the plan’s network, your service may not be covered or your costs could be higher.
- If the plan decides to stop participating in Medicare, you can join another Medicare health plan or return to Original Medicare.
- Many Medicare Advantage Plans offer prescription drug coverage (Part D).
- You do not need to buy a Medigap (Medicare Supplement Insurance) policy. With a Medicare Advantage Plan, a Medigap policy will not cover your deductibles, copayments or coinsurance.
How Medicare Advantage Plans Work
The plan will issue an id card that you will present when you receive Medicare services. Your provider and or hospital will bill the plan directly, instead of Medicare, for all services rendered.
The Part C plan will pay 100% of approved Medicare services less co-pays and coinsurance as stated in the contract. Medicare Advantage plans usually have a low to zero monthly premium, and typically include prescription drug coverage. The benefit of a Part C plan is the controlled costs as it has a “pay as you go” in addition to a Maximum Out of Pocket benefit, which means, if you spend a certain amount for medical services, the plan will take over all further costs for the remainder of the year. This is NOT a deductible. These plans MAY also include extra benefits not covered by Original Medicare such as vision, dental, gym memberships, or other; it will depend on your service area and the carrier.
When Should I Apply For Medicare Part C?
When can I join, switch or drop a Medicare Advantage Plan?
You can join a Medicare Advantage Plan during the following times:
- During your 7-month Initial Enrollment Period (IEP) which is:
- the 3 months prior to the month you turn 65
- the month of your 65th birthday
- the 3 months after
- During the three months before, to three months after, of your 25th month of disability
- During Annual Election Period (AEP) between October 15th and December 7th each year. Your coverage will be effective on January 1st of the following year
- Any other Special Election Period (SEP) approved by Medicare
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