Medicare Advantage, also called Medicare Part C, is an alternative way to receive the Original Medicare benefits for people with Medicare Part A (hospital insurance) and Part B (medical insurance). Provided by private insurance companies that are contracted in contract with Medicare, Medicare Advantage plans give the same level of coverage as provided by Medicare Part A and Part B. If you are already enrolled in Original Medicare – Part A and Part B – you can choose to enroll in Medicare Part C or Medicare Advantage (MA). It is important to note that Medicare Advantage plans vary by county so a person enrolling in a Medicare Advantage Plan in San Antonio may have different options than someone enrolling in Dallas, Waco or even the Rio Grande Valley.
You may be wondering why someone would choose to enroll in a Medicare Advantage plan when they already have Medicare. First of all, Medicare Advantage plans cover all the same benefits of Original Medicare , including emergency and urgent care. Hospice care remains covered by Original Medicare.
Here are some differences between Original Medicare and Medicare Advantage plans. These differences can be in how much you would pay out of your pocket for healthcare. For instance, you may have a smaller deductible, or a lower coinsurance and copayment.
Besides, these differences can also be in terms of the coverage you get. Many Medicare Advantage plans can cover dental, vision, hearing, over-the-counter items, and even personal emergency response systems. Many Medicare Advantage plans also include prescription drug coverage, known as Medicare Advantage Prescription Drug plans (MAPD).
Remember that even if you enroll in a Medicare Part C plan, you would remain enrolled in Original Medicare and you must keep on paying your premiums for Medicare Part B.