Medicare Advantage – Benefits You Can Get
If you have heard of the idea on Medicare Advantage or also referred to as the medicare part C, then you probably are aware that it would include all the services that you will get from medicare parts A and B. That is why there are a lot of consumers that would like to know the difference between each of the medicare parts. So why would you spend money on medicare supplements when you can still get the same coverage for a much cheaper price from a private plan in medicare advantage?
You should take note that medicare advantage will probably be good for you in several cases. You should ask yourself these questions every time you will be planning on some medicare options.
1. Do you need prescription medicines?
There are some plans in medicare advantage that can be a more cost-friendly option if you are taking some prescribed medicines. You must take note that the medicare parts A and B are both not covering prescribed medicines, that is why it is important for you to go with the medicare part D that will cover your need for prescribed medicines. But the coverage in medicare part D can be included in almost all of the plans in medicare advantage.
You should also take note that the part D premiums can also vary by plan just like the medicare advantage premiums. If you have a low income and would really need a drug coverage, then part D is still the way to go. It is important that you should talk to a health care professional that can explain further about your options on part D or medicare advantage plans that you can choose.
2 Do I want vision, hearing, dental or wellness plan services?
You should consider looking into medicare advantage if you are looking for a more specialized care. You might be having some problems with your vision or hearing or probably want to fix some issues regarding your dental health. There are a lot of medicare advantage plans that can provide special care services while the medicare parts A and B do not.
3. Do you want a cap on an out-of-pocket use?
You should know that the original medicare (parts A and B) does not provide an out-of-pocket spending limit. This would mean that your coinsurance or copays will continue to build up without a limit. No one can really tell what will happen next that is why you will never know if you will be spending a lot of money due to out-of-pocket fees especially if you will need a lot of medicare services or ongoing care that would need a lot of visits to the doctors.
You should know that an out-of-pocket cap is not included in a medicare advantage plan.