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 senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@tzhealthmedia.com.

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