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MEDICARE

MEDICARE PART C

Part C, known as Medicare Advantage Plans (MA Plan) are what some would consider an “all-in-one” alternative to Original Medicare. Private companies that are approved by Medicare offer these plans. When going with MA Plans you are getting a coverage combination of both Part A, Part B and often times includes Medicare drug coverage, (Part D). It is important to note that although you are going through a private company, it is still Medicare.

MEDICARE PART C COVERS

The upside to Medicare Advantage Plans is that they cover many services not covered by Original Medicare like:

  • Routine vision care
  • Hearing
  • Dental
  • Fitness programs (gym memberships or discounted rates)

Depending on the plan you choose, you can have benefits like transportation to and from your doctor visits and over-the-counter drugs. Some plans may offer tailored benefits to fit certain chronically ill individuals. It is imperative to review the plans as some have additional benefits, limitations or specific eligibility requirements.

Factors in determining out-of-pocket Medicare Advantage Plan (Part C) costs include:

  1. Whether the plan you are enrolling in charges a monthly premium. This may be paid in addition to the Part B premium.
  2. Whether the plan pays any of your monthly Medicare Part B (Medical Insurance) premium.
  3. Whether the plan requires deductibles.
  4. Whether there are, costs related to each visit or service, such as a co-payment or co-insurance.
  5. What type and frequency of health care services you need.
  6. Whether your doctor or supplier accepts assignment or is out-of-network.
  7. Whether you need extra benefits and if the plan charges for them.
  8. The yearly limit on out-of-pocket expenses for all required medical services.
  9. Whether you have Medicaid or state help.
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