Medicare Advantage plans or Part C Medicare, What is it

Medicare Advantage plans are prominent as Part C Medicare. They are issued by the private health insurance companies that are Medicare-approved to individuals enrolled in Part A and B Original Medicare. Joining Medicare Advantage plans indicates you are in the Medicare program and are expected to pay the premiums for Part B.


Medicare Advantage plans cover Part A Medicare that offer the cover for hospital insurance and Part B Medicare that offers the cover for medical insurance. Generally, additional benefits are offered such as hearing, dental, vision and some also include the coverage for prescription drug. These plans have networks and this means you must see the doctors and visit the hospitals to get care as per the plans network.


Medicare Advantage plans save you money potentially because the costs out-of-pocket in these plans may be lower in comparison to the Part A and B Original Medicare. Pricing varies with each plan provider and so certainly needs comparison of plans that are available in your area. The costs will vary as per the services you use and also with the plan type you buy. The charges for the costs that are spend beyond the pocket with Medicare Advantage plans are not the same. They also vary with each plan.  In fact, the set of rules are also different in availing the services such as requiring a referral to use doctors, suppliers or facilities or even to see a specialist.

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Plan options include:

  • Health Maintenance Organization and the HMO Pos that is the point of service
  • Preferred Provider Organization, Medical savings account and Special needs plans


You can join if:

  • You are residing in the plan service area.
  • You have Part A and B initial coverage of Medicare .
  • You are healthy without crucial ailment complaints and complications such as requiring dialysis or ESRD.


Points to Remember

Carefully choose your plans. On becoming eligible for enrolment and you do not get enrolled due to some valid reasons means you may enroll during the Special election period. Once a year only you can change plans during the annual election period and each year this is from 15 October to 7 December.


There is disenrollment period of MA plans from January 1 to February 14 and this is the time you can get enrolled in some new Advantage plans and disenroll from the existing plan or even get back to your Traditional Medicare.


Medigap at the service of all

Medigap was born some years ago in order to help those who need it most during pressing moments. When it came to light, several people saw it as a great help and did not hesitate to adhere to everything that the Medicare Supplements Plans were offering them. That is why it has been a great success, all due to the acceptance of the public.

As the years went by, private insurance companies began to see Medigap as an excellent opportunity which allowed them not only to have more income but also to have many more satisfied clients while working with one of the largest health programs in the world. all of America.

That’s why everyone now when they buy, whether it’s the original Medicare plan or they opt for Medicare Advantage, they go directly to a private institution to tell them about all the Medicare Supplements Plans that exist for them.

Little by little they go looking for what best suits them and understand that although it seems a common support for any insurance, it does much more than that. You see, the main function that Medigap has is to support the patient with the expenses that could not be covered by their initial insurance plan has been exhausted.

Going more deeply, when you go through some process of hospitalization because you are seriously ill, there are many medical expenses that must be covered and the person is sometimes unable to pay for them himself. That’s when medical insurance comes into play. But… What happens when this main policy ends?

The answer is simple: You go to Medigap and this Plan will take care of everything. Absolutely all the bills that have been left out will be covered in the blink of an eye by your Medicare Supplement Plan 2018 as long as your emergency meets all the necessary requirements for Medigap to cover it.

And this applies to all those who have a basic Medicare policy. Whether you have the original plan or Medicare Advantage, you can count on the service of these complementary plans since what is sought is to protect the entire American population.

Moreover, if you are retired or disabled you easily enter into the protection of the Medicare Supplement Plans as this is mainly intended to ensure that this population is healthy and protected as long as necessary.

In this way, it is also said that the Medicare Supplement Plans are in everyone’s service because they come with almost an automatic renewal. This means that when you are already reaching the expiration date of your policy, it will be renewed quickly and you will only have to update your data and also continue paying your monthly premiums.

Now that you know you will always have the support of Medigap and that its services are available 24 hours a day, what do you expect to acquire your own Medicare Supplement Plan that meets all your needs? It will be the best thing you could ever do.


Medigap and Medications

Medicare is one of the most comprehensive health programs that can exist anywhere in the world. In America, it has become a pioneering medical insurance which is able to support and protect all its users in a fast and effective way which has been evolving for the better with the passage of time.

This is why now we have not only the initial plans of Medicare as they were the Original plan and also Medicare Advantage but now there is Medigap that works as a complementary program of Medicare which has helped many people.

However, there is a complicated relationship between AARP Medicare Supplement  and medications as we remember that there is a part of Medicare that is responsible for covering prescribed medications.

To begin to clarify everything, you must first know that it is possible to have a Medigap policy which covers Prescription drugs. When you go to buy your Medicare Supplement Plan this is one of the main options that you are given so that you are more protected both yourself and your pocket when you have to buy medicines.

But you should know that if your Medigap policy covers prescription drugs you are choosing to immediately not enroll in the Medicare prescription drug plan. So keep in mind that if Medigap plan covers the prescriptions but you already have a prescription drug plan from Medicare, you must inform the private institution that is granting you the complementary policy so that it will adjust the fees.

Going further and explaining in a simpler way, when Medicare already protects you to cover the cost of medicines, Medigap cannot do it due to policies established within the structure. That’s why if at the time you get your Medicare Supplement Plan you see that it has prescription coverage, let the advisor know so he can eliminate this benefit so that your premiums are adjusted. So you will not have to pay more in terms of the monthly installments that are established.

However, if someone owns the Medigap plan with drug coverage, they can only join the Medicare drug plan between the dates of October 15 and December 7. Out of those dates, it may be a little difficult.

Even so, if you do not want to have anything to do with this medication coverage of Medigap because everything is very tangled, you do not have to despair. There are plans that do not bring this coverage and save you a lot of money and of course do not force you to sacrifice any other benefit that you have previously acquired.

Similarly, Medigap does offer coverage for medications and has been quite useful for those who have known how to use it wisely. So you can get it during the established time periods and also add new benefits that have come out at the time.

Since you know all the benefits that Medicare Supplements Plans have for you along with the insurance coverage, you are already clear about what you want in your health insurance.