Medicare Advantage

Medicare Advantage Overview

Medicare Advantage, also known as Medicare Part C, is an alternative option for beneficiaries who prefer to receive Medicare benefits through a private insurance option. The institutions that offer the plan are contracted with The Institute of Medicare and Medicaid to ensure that policyholders still receive basic Original Medicare coverage. For some, the price of paying more per month to have Medicare Part C isn’t worth the additional benefits they receive in return, while others see it as an easy choice. 

Medicare Advantage – Coverage Options

Compared to Original Medicare, Medicare Advantage has the benefit of being customizable and includes options for additional coverage that Part A and Part B don’t have. This tends to extend to services such as routine vision care, dental care, hearing aids, prescription drug plans, and fitness club memberships. Another benefit of Medicare Part C is that there is greater price flexibility since a private insurance company provides it. While you still will have to pay premiums under Medicare Part B and an additional premium for Medicare Advantage, the overall cost tends to be lower than that of Original Medicare. For some plans, Part C’s premium can be as low as $0 a month and feature a minimal cost-sharing expense.

One of the unique benefits of Medicare Advantage is that the plan manages care through networks of contracted medical facilities and healthcare providers. When enrolling, you will have the choice to either be a part of a Preferred Provider Organization (PPO) Plan or a Health Maintenance Organization (HMO) Plan. With this network component, the plan can limit the maximum out-of-pocket expense beneficiaries have to pay each year. 

Even though the Medicare Advantage plan has a comprehensive list of coverages and flexible costs, there are things to keep in mind before enrolling. One of the major differences between this plan and Original Medicare is that with Medicare Part C, you may be limited in your choices of doctors and medical facilities. Under Original Medicare, you can see any healthcare professional you want as long as they expect Medicare. With Medicare Advantage, you will be limited to the provider network outlined in your healthcare plan, unless you want to pay higher fees and costs for medical services. Also, if you decide to go with the Health Maintenance Organization Plan, you will need to designate a primary care doctor who will facilitate all of your care directives.

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John Kyle Insurance – An Agency You Can Rely On

Deciding on whether or not to enroll in Original Medicare, Medicare Advantage, or both, can be tough. This is especially true for those who have never had experience with the overall Medicare plan. At John Kyle Insurance, we specialize in assisting clients with the Medicare process and will be with you every step of the way. 

To get started, give us a call today at (440) 230-1223, and one of our experienced agents will set up a time to speak with you about your options.