Medicare Advantage Plans are provided through private insurance companies that have a contract with Medicare.
These plans often have a higher level of benefits than found in original Medicare with lower premiums and copays. For example, some plans offer coverage for dental, vision, routine foot care and gym membership. Plans may have a monthly premium, use co-pays for certain treatments and include an out-of-pocket annual maximum to protect a person from catastrophic illness. Medicare Advantage Plans are available with and without Part D prescription drug coverage.
Two important points to remember about Advantage Plans:
- Benefits in a Medicare Advantage Plan must be at least equal to or better than that of original Medicare.
- Medicare no longer covers your health care costs. The Medicare Advantage Plan pays instead of Medicare.
Medicare Advantage Plans generally operate as an HMO, PPO or private fee-for-service plan.
Interested in learning more? Call me at 440-255-5700. I am affiliated with many of the nation's most respected insurance companies, including Anthem, Aetna, and AARP so I can help you find the plan that includes your doctors, your medical facilities and fits your budget. For a complete list of companies, go to www.mutskoinsurance.com/products-services.
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