When the time came to sign up for Medicare, you have to choose whether to remain with original Medicare or choose one of the health insurance plans offered in Medicare Advantage (part C Medicare). Medicare Advantage plans are the Medicare-approved private alternative to original Medicare (parts A and B) and Medicare supplementary insurance (Medigap). Medicare Advantage involves more than 16 million Medicare recipients (about 30% of the total) MA).
If you decide that a Medicare Advantage plan is right for you, here's what you need to know to choose the best plan.
To be eligible to participate in Medicare Advantage, you must:
- You already have Medicare Part A and Part B.
- Do not have the end-stage renal disease (ESRD).
What Is included?
All Medicare Advantage plans provide coverage equivalent to Medicare parts A and part B. This includes hospital stays, skilled nursing care, medical care at home, doctor visits, outpatient care, screening, and immunization and laboratory tests. The only benefit in part A, which is not available, is hospice care. However, the scope of care hospice continues in the section of Medicare Part A - although the other benefits of A provided by your Medicare Advantage plan.
The maximum size of cash restricted Medicare Advantage plan. The limit varies by plan and provider, but the maximum is $ 6 700. Finally, all Medicare Advantage plans include a national emergency, urgent care, and dialysis.
Many Medicare Advantage plans also include coverage Medicare prescription (part D). Depending on the plan other services may include dental, vision, hearing and Wellness programs. Medicare Supplement Plans for 2019 is best in this matter.
Visit The Medicare Site
Once you understand the composition of all the six types of Medicare Advantage plans, your next step is to determine which plans are available where you live. Visit Medicare site and click the button that says search plans for health and medicine. You will be asked to list any medications that you take. If you don't want to do this, the software will provide the average cost at the end. Better, however, to take the time to list your medications exactly as you take them to get the best comparison.
After you answer all the questions page will appear that says, “Check the results of your plan”. Click on the box to see “Medicare health Plans with drug coverage “, then the field that says: “Continue to plan results”. Now you're in the page called “your plan”. Here you can view and compare various available Medicare Advantage plans. There are several columns that contain information you can use for comparison.
Information about Medicare site is not always completed. If you like the plan, but not sure that it provides a specific service - for example, national coverage - call the toll free number and ask the provider. If you don't know what questions to ask when you call, Medicare Interactive is a useful comprehensive list.
Once you have determined which plan best fits your needs you can register online or call 1-800 MEDICARE. You can also register your chosen insurance company or through an insurance broker.
Spend time on Medicare site and plug in the features, including medications that you take on a regular basis to see all the available options in your area. Carefully review these settings prior to selecting a plan. Don't forget to check the costs of medications and available medical staff on your chosen plan versus what you can get with original Medicare plus a Medigap plan and Medicare Part D (only with original Medicare will not meet the plan coverage Advantage).
As soon as you plan to use the program Medicare Advantage, you must go to the Medicare website every year during the open enrollment period. Terms can change, and you need to see if you have a plan which you need, is still the best option for you