A Few Extra Things You Should Know about Medicare Advantage Plans
You can only join a plan at certain times during the year. In most cases, you’re enrolled in a plan for a year.
As with Original Medicare, you still have Medicare rights and protections, including the right to appeal.
Check with the plan before you get a service to find out whether they will cover the service and what your costs may be.
You must follow plan rules, like getting a referral to see a specialist or getting prior approval for certain procedures to avoid higher costs. Check with the plan.
You can join a Medicare Advantage Plan even if you have a pre existing condition, except for End-Stage Renal Disease.
If you go to a doctor, facility, or supplier that doesn’t belong to the plan, your services may not be covered, or your costs could be higher, depending on the type of Medicare Advantage Plan.
If the plan decides to stop participating in Medicare, you‘ll have to join another Medicare health plan or return to Original Medicare.
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Freqently asked questions
Medicare Advantage is a comprehensive plan within Medicare that was created to fit the needs of Americans who use Medicare. Like Medicare, it is available to you as soon as you turn sixty-five, as well as if you have end-stage renal disease.
Because your healthcare is so important, it’s critical to know the differences between Medicare Advantage and Medigap plans, (also known as supplemental Medicare Insurance plans).
When considering the cost of a Medicare Advantage plan, it’s important to remember that insurance can be budgeted, but unexpected illness cannot. Especially in your retired years, it’s important to know what you need to spend month to month.
Monthly premiums for Medicare Advantage plans vary by plan.
In order to enroll in a Medicare Advantage plan, you must already be enrolled in Medicare Part A and Medicare Part B. Although most seniors aged 65 or older or individuals under 65 with certain disabilities are automatically covered under each of these, Medicare Part B is optional, so you should verify that you are covered under Part B, and if not, enroll in it prior to joining a Medicare Advantage program.