The Straight Facts on Medicare Advantage Plans Part C

Medicare Advantage Plans and Part C are one and the same. To be able to enroll in Medicare Part C, you need to first be enrolled in Medicare Parts A and B. All of the same restrictions and guidelines that determine who is eligible for Parts A and B also apply to all those enrolling in Part C. Though this course of action is supplied by Medicare, it's furnished through an independent insurance provider. Parts A and B are taken care of through the Medicare fund, which will be funded through Social Security tax and budget appropriations. While Part C isn't separate from Medicare itself, this plan does allow more freedom of preference about who manages your insurance and what benefits you receive.

What Part C Cover?

Medicare Advantage Plans or Part C Plans will differ slightly depending on where company you end up receiving coverage; however, most providers offer plans to cover hospital stays, nursing homes, and medically related home visits. All of the same benefits under Medicare Plans A and B are often provided by the firms that specialize in these private health care plans. While this is true, each insurance company sets a unique rules, premiums, and restrictions. For a few, this can be a disadvantage, while the rates may be greater than standard Medicare. On one other hand, reflecting the "Medicare Advantage" name, this may be a critical improvement over an individual's standard Medicare rates.

What Part C Plans Are Available?

Many insurance companies over privately held variations of Medicare Parts A and B to cover a range of needs, except hospice, that will be covered by original Medicare, even though you would rather be covered by a Part C or Advantage plan. Which plan you ultimately choose will depend heavily where doctors and hospitals you like to go to, whether those providers come in a specific plan's network, and what rate you're willing to pay for your coverage. For PPO (Preferred Provider Organization) and HMO (Health Maintenance Organizations), you should choose doctors in your plan's network, or your costs for visiting those doctors will rise.

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Medicare Part C offers those that prefer to buy an insurance plan from an exclusive company and still obtain every one of the same benefits as those in original Medicare. Advantage Plans may also provide benefits that original Medicare does not, such as coverage for vision, hearing, dental, and wellness programs. Instead of spending for each one of these services individually, they can be rolled into your plan. Though you're not automatically enrolled in Medicare Part D, this really is often a part of these Advantage Plans, in order to ensure you have the prescription drug coverage that you need.

While Part C must cover most of the medically necessary services that Medicare provides, your Advantage Plan might not cover all the other services. Before you've any procedure, call your provider and ask your plan give you a published statement concerning whether they will cover the service. These decisions may be appealed.

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