More than one out of every three people eligible for Medicare choose to enroll in a Medicare Advantage plan, and for good reason.1
Here are seven of the many benefits you may find by joining a Medicare Advantage (Medicare Part C) plan.
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Medicare Advantage plans offer all the same basic benefits offered by Original Medicare (Part A and Part B).
But they may not stop there. Many Medicare Advantage plans may also offer additional benefits that are not covered by Medicare Part A or Part B, such as prescription drug coverage, dental, vision, hearing and more.
Some Medicare Advantage plans may offer even more additional benefits, such as transportation to doctor’s offices and grab bars for home bathrooms.
According to Medicare expert John Barkett, some Medicare Advantage plans started offering new benefits to beneficiaries with chronic illnesses in 2020. To hear more about these benefits, watch the video below.
Some procedures that aren't typically covered by Original Medicare may sometimes be covered by certain Medicare Advantage plans.
These procedures may include but are not limited to the following:
All Medicare Advantage plans are required by law to provide all of the benefits covered by Original Medicare.
Many Medicare Advantage plans also offer prescription drug coverage, and some plans offer benefits like dental, vision, hearing, gym and wellness program memberships and more, all of which aren't typically covered by Original Medicare.
Some Medicare Advantage plans offer $0 premiums, which means it costs you nothing to belong to the plan and benefit from the additional coverage.
Even with a $0 premium Medicare Advantage plan, you will have to pay your Part B premium and (if you are required to do so) your Part A premium.
With Original Medicare, there is no annual limit to how much out-of-pocket health care spending you may have to pay. That means you could potentially face an infinite amount of medical expenses in any given year.
Medicare Advantage plans, however, are required to include an annual out-of-pocket spending limit that caps the amount of money you will be forced to spend in a calendar year. Once you reach that limit, the plan will pay 100% of your expenses for the remainder of the year.
Medicare Advantage plans offer all of the hospital and medical care benefits covered by Original Medicare, and many plans can offer coverage for health, dental and prescription drug coverage, all in one plan.
This type of coverage can make it easier for many beneficiaries to get the level of care they want, no matter what their specific health insurance coverage needs may be.
Members of an HMO Medicare Advantage plan will utilize a primary care physician who can coordinate their care and make referrals to specialists on their behalf.
Some beneficiaries may prefer this team-oriented approach to their care, especially as it encourages preventive care and screenings.
Because some of the benefits offered by Medicare Advantage plans can differ from one plan to the next, beneficiaries can have the flexibility to find a plan that offers the kind of coverage that best fits their health care needs.
Medicare beneficiaries with more serious health issues may qualify for a Medicare Advantage Special Needs Plan.
Medicare Advantage plans come in many forms, including HMO’s, PPO’s and more. Beneficiaries have some freedom to enroll in a plan that works best for their tastes.
There are also a number of different Medicare Advantage plan providers beneficiaries can consider, which can include:
Call today to speak with a licensed agent and learn more about how you may benefit from one of the Medicare Advantage plans available in your area.
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1 Fugelsten Biniek, J. et al. (Oct. 29, 2020). Medicare Advantage 2021 Spotlight: First Look. Kaiser Family Foundation. Retrieved from www.kff.org/issue-brief/medicare-advantage-2021-spotlight-first-look.
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: