Medicare Advantage Plans (like HMOs and PPOs) are sometimes referred to as Medicare Part C. They are private Medicare approved health plans for those individuals eligible for Medicare. When you join a Medicare Advantage Plan, you are still in Medicare.
Medicare Advantage Plans provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage and must cover medically necessary services. They generally offer additional benefits, and many include Part D prescription drug coverage. These plans often have networks, which means you may have to see the plan’s doctors and go to certain hospitals to get care.
Medicare Advantage Plans can save you money, since out-of-pocket costs in these plans are generally lower than with Original Medicare alone. However, your cost will vary by the services you use and the type of policy you purchase. Each Medicare Advantage Plan can charge different out of pocket costs and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan).
Changes you can make:
If you are enrolled in Medicare Advantage, you take advantage of two Medicare enrollment periods: Medicare Advantage Open Enrollment (January 1 – March 31) and the Annual Enrollment Period (October 15 – December 7).
During the Medicare Advantage Open Enrollment Period, you can:
During the Annual Enrollment Period, you can:
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