The Medicare Advantage health cover plan, also known as Medicare Part C, enables those with Medicare Part A and Part B to get their Medicare benefits in some other ways. Medicare Part A is for hospital insurance and Part B is for medical insurance. The Medicare Advantage Plans are offered by the private insurance companies who have been contracted with Medicare. Their sole purpose is to provide at the very least the same level of coverage that the Medicare Part A and Part B provide.
From all these, you may be wondering which of these would be best for your needs. Is it Medicare advantage or to go for the original Medicare? By and large, there can’t be given a direct and straight answer to this. This is looking at the fact that there are a lot of things that you should take into consideration as you look for the kind of plan that will best suit your interests. Medicare advantage has a number of benefits that make it an attractive and suitable plan for some while there are those whose interests and preferences wouldn’t be effectively addressed under the Medicare Part C anyway and as such it may not be as ideal for such. Below we will be taking a closer look at some of the important benefits that you should know of when it comes to the Medicare Advantage plans. Read on to learn more on the Medicare Part C plans.
By far and large, the Medicare Advantage plans will offer a host of benefits that you may not find under the original Medicare. One, you can be assured that the Medicare Advantage plan will offer you virtually all of the benefits there are under Medicare Part A and Medicare Part B and there are more plans that will offer some added benefits. Such include such benefits as coverage for routine vision care, dental care, hearing aids, fitness center memberships, coverage for prescription drugs and such like healthcare needs.
By the way, you may just come to realize that your Medicare advantage plans may just cost you less. Consider the fact that when you enroll for Medicare advantage, you continue to pay for the Part B premium and you may pay for an additional premium. There are some plans that may have premiums that go as low as zero dollars. Added to this the cost sharing may as well be less when you are under a Medicare Advantage plan. This is notwithstanding the fact that with Medicare Advantage plans, you will as well limit some of your out of pocket expenses. This is never the case with the original Medicare, as it did not provide for a maximum cap on your out of pocket expenses which makes them limitless.
Generally speaking Medicare Advantage Plans will often be less costly as compared to the deals you would have from the Original Medicare deals. Over and above these, remember that Medicare as well coordinates care among the various healthcare providers.