Deciding Between Medicare Advantage and Original Medicare 

Deciding Between Medicare Advantage and Original Medicare 

Medicare Advantage plans are an alternative to traditional Medicare, offering a variety of additional benefits and services. These plans cover everything that traditional Medicare does, plus additional services such as vision, dental, hearing aids and more. It is important to understand the types of services offered in these plans so you can make an informed decision about coverage for yourself or your loved ones. 

Medicare Advantage plans provide coverage for all the same services that original Medicare does, including hospitalization, doctor visits, lab tests and preventive care. These plans also offer prescription drug coverage (Part D) as well as additional benefits like vision care and hearing aids. In addition to these core services, many Medicare Advantage plans offer additional coverage options such as home health care, transportation to medical appointments and certain types of home modifications. The specific level of coverage varies from plan to plan, so it is important to compare different plans before enrolling in one. 

 

Prescription Drugs Coverage 

Most Medicare Advantage plans include prescription drug coverage (Part D). This coverage helps pay for certain medications that are prescribed by your doctor. Depending on the plan you choose, you may have copays or coinsurance amounts when you pick up your medication. You may also be able to save money if you use mail order services or preferred pharmacies. It’s important to note that not all medications are covered under every plan, so it’s always a good idea to check with your provider before filling your prescription. 

 

It is also important to know that some services may be excluded from certain Medicare Advantage plans. For example, hospice care is not covered under most Medicare Advantage plans; this type of care must be purchased through a separate provider or organization. Additionally, some long-term care services may not be covered by your plan; if this applies to you or someone you know who needs long-term care services, it’s best to research other options for coverage beforehand.   

 

When considering a Medicare Advantage plan for yourself or your loved ones, it’s important to look into the details of each plan carefully and make sure all necessary benefits are included in the plan you choose. Be sure to read through the Summary of Benefits for each plan before making a decision so you can compare different levels of coverage side-by-side and determine which one best meets your needs. 

Conclusion: With so many different types of services available under Medicare Advantage plans, it can be difficult to determine which one is right for you or your loved ones. It’s essential to understand what benefits are included in each plan before enrolling in order to ensure that all necessary services are covered—and that any excluded services won’t leave you without adequate protection when they are needed most. With careful research and comparison shopping between different plans’ Summary of Benefits documents, you will be able to find the right option for your individual needs—and have peace of mind knowing that if something unexpected arises down the road there will be no surprises when it comes time for payment!