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Medicare Advantage is another way to get your Original Medicare (Part A and Part B) benefits through a private insurance company that contracts with Medicare. If you’ve decided that Medicare Advantage is the best way for you to get your Medicare coverage, your next decision will be to decide on the best Medicare Advantage plan. Some states have hundreds of Medicare Advantage plans available, according to the Centers for Medicare and Medicaid Services (CMS) although not all plans may be available in all areas.
Medicare Advantage plans must cover everything that Original Medicare covers (with the exception of hospice care which Medicare Part A still covers) and some of the best Medicare Advantage plans have additional benefits. Some Medicare Advantage plans have premiums as low as $0 but you must continue to pay your Part B premium. According to CMS over 21 million people are enrolled in Medicare Advantage and other health plans in 2018.
You may be familiar with Medicare Advantage plan types through having a similar plan sponsored through an employer. Determining the best Medicare Advantage plan for you depends on how you want access to specialists and whether or not you have a health condition. The four most common types of Medicare Advantage plans are:
Medicare Advantage plans are not allowed to exclude any benefits that Original Medicare covers. The best Medicare Advantage plans can offer equal or better coverage as Original Medicare. Medicare Advantage may cover the following:
Original Medicare does not generally cover most of the above.
Cost associated with a Medicare Advantage plan include:
Once you’ve determined your plan type, desired benefits, and cost structure, you are ready to select the best Medicare Advantage plan for you.
*Out-of-network/non-contracted providers are under no obligation to treat Preferred Provider Organization (PPO) plan members, except in emergency situations. For a decision about whether the plan will cover an out-of-network service, you or your provider are encouraged to ask for a pre-service organization determination before you receive the service. Please call the plan’s customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
**A Private Fee-for-Service plan is not Medicare supplement insurance. Providers who do not contract with our plan are not required to see you except in an emergency.
This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or copayments/co-insurance may change on January 1 of each year.
The provider network may change at any time. You will receive notice when necessary.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.