Medicare Advantage Plans may offer options that traditional Medicare does not
Medicare Advantage plans are offered through Medicare approved insurance companies to furnish Medicare Part A&B coverage. They can be an attractive choice because many include Part D drug coverage and some offer a range of other options including dental and vision which are not a part of traditional Medicare. All Advantage plans must provide at minimum the same coverage as traditional Medicare.At QuoteUser we have a wide scope of Medicare Advantage plans to suit your needs.
Medicare Advantage plan qualifications
To qualify for a Medicare Advantage plan the following must be true:
- You must already be eligible for and have Medicare Part A&B.
- For at least 6 months per year you must live where your Advantage plan provides service.
- You must be a citizen or legal resident.
- Beginning with 2021 those with end stage renal disease may apply for Advantage Plans as well
Many Medicare eligible people find the Advantage plan attractive because plans can include Medicare Part D(drug coverage) as well as vision and even dental all for obe premium rather than paying several different ones.
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Questions?
Open enrollment for Medicare Advantage plans currently runs from October 15th through December 7th each year for coverage beginning January 1. There is another period from January 1 to March 31 for coverage beginning July 1 though the latter period does have certain restrictions.
Get help at medicare.gov in understanding how an Advantage Plan works but get comparisons and quotes here at QuoteUser as well as professional assistance.
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Want to know more?
Here are four quick facts about Medicare Advantage plans to help you make a decision about whether this insurance is right for you:
- Medicare Advantage plans coverage is the same as traditional Medicare Parts A & B.
- Medicare Advantage Plans are regulated and subject to Medicare rules.
- Many Advantage plans have built in additional benefits like Part D drug coverage, vision and dental options as well as out of pocket maximums.
- You can switch Medicare Advantage plans on an annual basis currently there are two open enrollment periods when this can be done.
There are many attractive features to Medicare Advantage plans and you can explore them at QuoteUser where we offer a variety of plans as well as helpful professionals to help you make the right choice.
Part D coverage in Medicare Advantage Plans
Though Part D stand-alone coverage is available many Advantage Plans include this coverage at more economical than a stand-alone program. When deciding upon Part D coverage keep in mind that different plans have different formularies (covered drug list)and you need to determine if your medications are on it. Finally, have you explored with your physician a generic drug instead of a name brand.