Medicare Part C, more commonly known as Medicare Advantage plans, are a type of health plan offered through private companies that contract with Medicare to provide you with your Part A (Hospital) and Part B (Medical) benefits. Medicare Advantage plans work much like insurance during our working years with networks for doctors and hospitals and co-pays. In addition to their full Medicare benefits, Medicare Advantage plans may also include vision, dental, drug coverage, gym memberships, and more.
What You Need to Know about Medicare Advantage Plans…
You are still part of Medicare: You must have Part A & B of Medicare to be eligible to enroll in an Advantage plan, and while on the plan you still have all of the rights and protections of Medicare.
Networks for Doctors and Hospitals: Each company has its own network of doctors and hospitals. Be sure to check that your current
doctors and hospitals are in network (we can do this for you) for the plan you are selecting.
Pre-Existing Conditions: You can join a Medicare Advantage plan even if you have a pre-existing condition, with the exception of End- Stage Renal Disease (ESRD).
Follow the Rules: In order to avoid extra costs you must be sure to follow the rules of your plan, such as staying in network, and getting a referral to see a specialist.
Additional Benefits: In addition to standard Medicare benefits, many plans include coverage for vision, hearing, dental, drugs, gym memberships, and other health and wellness programs.
Low Monthly Premiums: Premiums for Medicare Advantage plans are typically low - $0 premium plans are available in many Arizona areas and most include prescription drug Rx coverage.
Service Area: To be eligible to join an MA plan, you must live within the plans service which sometimes is limited to a specific county.
Dual and SNPs: Some areas have Special Needs Plans (SNP) with additional benefits for some health conditions. Some plans have no out-of-pocket costs for “Dual Eligibles” — people enrolled in both Medicare & AHCCCS.