Submitted by Vasilios “Voss” Speros, America’s Top Assisted Living Resources LLC
Medicare Part C: Medicare Advantage Plans
Medicare Advantage plans (formerly Medicare+Choice) are an alternative to Medicare supplement policies. Run by private companies, these plans are part of the Medicare program and are sometimes called “Part C” or “MA plans.” There are four main types of Medicare
Health maintenance organization (HMO) plans
Preferred provider organization plans (PPOs)
Medicare private fee-for-service (PFFS) plans
Medicare special needs plans (SNPs)
Medicare Advantage Plans provide Part A and Part B benefits and must cover at least all of the medically necessary services that Original Medicare covers. Medicare Advantage plans also offer extra benefits, such as dental, vision, hearing, and health and wellness programs, and most include Medicare prescription drug coverage (Part D), typically at an extra cost. However, some plans may require participants to enroll in a separate Medicare Part D plan.
To be eligible for any of the Medicare Advantage plans, a Medicare beneficiary must be enrolled in both Medicare Parts A and B. Enrollees must still pay the monthly Part B premium as well as the Medicare Advantage plan’s premium (if one applies). Most of these plans, like HMOs, have networks of doctors that individuals can see, while others, such as private fee-for-service plans, allow enrollees to go to any doctor.
Americas Top Assisted Living Resources LLC specializes in navigating the road ahead for seniors and their families. As a unified resource, we conduct a comprehensive evaluation of the current situation as well as future needs to alleviate stress down the road. Our belief is, “it’s easier to plan ahead instead of waiting until you need it, when time and options are limited.” Web: www.assisted-living-resources.com. Email: AmericasTopALR@gmail.com. Phone: 480-795-7776.
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