Blue Mound Medicare Advantage

Though Original Medicare pays for many services, it doesn’t pay for everything. Medicare Advantage Plans are available for Medicare Eligible to help you with the things that aren’t covered.

• Original Medicare will only pay 80 percent of the cost of doctor visits. With a Medicare Advantage plan, you will pay a small copay for doctor visits.
• Original Medicare will only pay a certain amount per day for hospital stays up to 150 days. With Medicare Advantage you will usually pay a lower co-pay per day for hospital stays.
• Medicare doesn’t cover regular vision exams, eyeglasses, or contacts and it also doesn’t cover most dental care. But many of our Medicare Advantage Plans offer vision, dental, and hearing coverage.

Prescription drugs are not covered by Original Medicare, but a Prescription Drug (Part D) Plan can help you save money on your prescription drugs. A Medicare Advantage Plan with Drug Coverage can too.

Medicare Advantage (MA) is a type of Medicare health plan offered by private companies that contract with Medicare. MA plans provide all your Part A and Part B benefits, and many of them also include Part D prescription drug coverage. In return for providing these benefits, MA Plans receive a fixed payment from Medicare.

There are a variety of types of MA plans available, so it’s important to compare plans and choose one that fits your needs and budget. You can use the Medicare Plan Finder website to compare plans in your area.

Here are some of the things to consider when choosing an MA plan:

• Cost: MA plans have different monthly premiums and out-of-pocket costs. Be sure to compare plans carefully to find one that fits your budget.
• Benefits: MA plans offer a variety of benefits, including prescription drug coverage, dental care, vision care, and hearing care. Be sure to choose a plan that offers the benefits you need.
• Network: MA plans have networks of doctors and hospitals that you can use. Be sure to choose a plan that has a network that includes your doctors and hospitals.
• Medicare Advantage Prescription Drug Plans (MAPDs): MAPDs are Medicare Advantage plans that include prescription drug coverage. If you need prescription drug coverage, be sure to choose an MAPD plan.

If you’re not sure which MA plan is right for you, talk to your doctor or a Medicare insurance agent. They can help you understand your options and choose the best plan for you.

Here are some of the advantages of Medicare Advantage:

• Convenience: Medicare Advantage plans often have simpler enrollment and billing processes than Original Medicare. They may also offer additional benefits, such as dental, vision, and hearing coverage.
• Cost: Medicare Advantage plans may have lower monthly premiums and out-of-pocket costs than Original Medicare, especially for people who need prescription drug coverage.
• Peace of mind: Medicare Advantage plans can provide peace of mind knowing that you have all your Medicare needs covered in one place. You don’t have to worry about coordinating coverage between Original Medicare and a separate prescription drug plan.

Here are some of the disadvantages of Medicare Advantage:

• Limited choice: There are fewer Medicare Advantage plans available than Original Medicare plans.
• Network restrictions: You may have to use doctors and hospitals in the plan’s network.
• Prescription drug coverage: Not all Medicare Advantage plans include prescription drug coverage.
• Switching plans: You can only switch Medicare Advantage plans during certain times of the year.

If you’re considering a Medicare Advantage plan, it’s important to weigh the advantages and disadvantages carefully to decide if it’s the right choice for you. You can use the Medicare Plan Finder website to compare plans in your area and talk to your doctor or a Medicare insurance agent for more information.