Medicare Advantage Plan
What is a Medicare Advantage Plan?
Medicare advantage plans combine Part (hospital insurance) and Part B (medical insurance) into one plan known as Part C. These plans usually include Part D (prescription drug coverage) and may offer additional benefits not provided by Original Medicare.
Advantage plans can be either an HMO or PPO. In an HMO plan you would have a Primary Care Physician (PCP) and you would be required to obtain referrals from your PCP to see any specialist. With a PPO plan you would not be required to choose a PCP and you would not need to obtain any referrals. There are other differences and we would review these in detail during our consultation.
Advantage plans could have premiums, co pay amounts as well as deductibles. It is important to review each plan to understand the costs associated with each plan. Advantage plans also have an out of pocket maximum. This is the total amount you pay for Part A and Part B services covered during the plan period. These out of pocket costs do not include premium payments, drug costs or costs associated with extra services offered by the plan such as vision and dental. The out of pocket maximum can vary depending on the plan you choose.
At the Schilling Insurance Group, we will get to know you regarding your current doctors, specialists, dentists so we can find the right plan for you. We will also review the co pays, deductibles as well as the maximum out of pocket. We are also available throughout the plan year to answer any questions you may have.
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