How do Medicare Advantage Plans work? | Medicare

A Medicare Advantage is another means to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “ Part C ” or “ MA Plans, ” are offered by Medicare-approved private companies that must follow rules set by Medicare. If you join a Medicare Advantage Plan, you ‘ll distillery have Medicare but you ‘ll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare .
These “ bundled ” plans include

Medicare Part A (Hospital Insurance)

and

Medicare Part B (Medical Insurance)

, and normally Medicare drug coverage ( Part D ) .
Find Medicare Advantage Plans in your area .

Covered services in Medicare Advantage Plans

Most Medicare Advantage Plans offer coverage for things Original Medicare doesn ’ t cover, like seaworthiness programs ( like gymnasium memberships or discounts ) and some sight, hear, and dental services. Plans can besides choose to cover even more benefits. For example, some plans may offer coverage for services like transportation system to doctor visits, nonprescription drugs, and services that promote your health and health. Plans can besides tailor their benefit packages to offer these benefits to certain chronically-ill enrollees. These packages will provide benefits customized to treat specific conditions. Check with the plan before you enroll to see what benefits it offers, if you might qualify, and if there are any limitations. Learn more about what Medicare Advantage Plans binding .

Rules for Medicare Advantage Plans

Medicare pays a fixate come for your manage each calendar month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare .
Each Medicare Advantage plan can charge different

out-of-pocket costs

. They can besides have different rules for how you get services, like :

  • Whether you need a

    referral

    to see a specialist

  • If you have to go to doctors, facilities, or suppliers that belong to the plan for non-emergency or non-urgent care

These rules can change each year .

Costs for Medicare Advantage Plans

What you pay in a Medicare Advantage Plan depends on respective factors. In most cases, you ’ ll need to use health care providers who participate in the plan ’ randomness network. Some plans won ’ triiodothyronine embrace services from providers outside the plan ’ randomness net and service area. Learn about these factors and how to get cost details.

Drug coverage in Medicare Advantage Plans

Most Medicare Advantage Plans include prescription drug coverage ( Part D ). You can join a separate Medicare Prescription Drug Plan with certain types of plans that :

  • Can’t offer drug coverage (like Medicare Medical Savings Account plans)
  • Choose not to offer drug coverage (like some Private Fee-for-Service plans)

You ’ ll be disenrolled from your Medicare Advantage Plan and returned to Original Medicare if both of these apply :

  • You’re in a Medicare Advantage HMO or PPO.
  • You join a separate Medicare Prescription Drug Plan.

How Medicare Supplement Insurance (Medigap) policies work with Medicare Advantage Plans

You can ’ thymine enroll in ( and can ’ thymine consumption ) Medigap while you ’ re in a Medicare Advantage Plan. You can ’ triiodothyronine use Medigap to pay for any costs ( copayments, deductibles, and premiums ) you have under a Medicare Advantage Plan. Learn about your options related to Medigap policies and Medicare Advantage Plans .

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