Common Questions

Medicare Replacement Plans | Medicare Advantage Plan Options

Medicare Advantage plans are popular Original Medicare replacement options. Unlike Original Medicare, Medicare Advantage plans are sold by private insurance companies.

Medicare Advantage plans are popular Original Medicare replacement options. Unlike Original Medicare, Medicare Advantage plans are sold by private insurance companies. They provide the same basic benefits as Original Medicare but may also offer some additional benefits.

Learn more about what Medicare Advantage plans may cover and how to enroll in a policy.

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Original Medicare has some limits

Original Medicare is accepted by many physicians and hospitals across the country. But it doesn’t cover everything.

Medicare Part A and Part B lack coverage for some health costs such as prescription drugs and routine dental, vision and hearing care.

Beneficiaries of Original Medicare often have to pay for these costs out of pocket.

That’s one reason many beneficiaries choose to enroll in a Medicare Advantage plan.

The basics of Medicare Advantage

Offered by private insurance companies across the U.S. – such as Anthem Blue Cross – Medicare Advantage plans are required by law to offer the same basic benefits as Original Medicare and may offer a number of additional benefits, such as:

The Medicare Advantage plans available near you and their costs will vary. You pay your monthly premium in addition to your Part B premium. Your plan may also require copayments, deductibles or coinsurance.

You must live in the service area of your plan to be eligible.

Medicare Advantage plans can come in a few different forms, including HMOs and PPOs.

There’s a lot to consider as you compare Medicare replacement plans. Call to speak with a licensed insurance agent today and discuss your Medicare replacement options.

 

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Christian

About the author

Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareAdvantage.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.

His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.

Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.

Where you've seen coverage of Christian's research and reports:

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