Medicare Advantage in Boulder, CO
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Colorado residents who are signed up for Original Medicare, which includes Part A for hospital insurance and Part B for medical insurance, are eligible to choose a Medicare Advantage Plan as an alternative to Part A and Part B coverage.
People may choose a Medicare Advantage plan over Original Medicare because many Medicare Advantage plans include prescription drug (Part D) coverage. Contact Professor Medicare in Boulder, Colorado, today to learn more about the potential benefits of choosing a Medicare Advantage plan to help cover your future healthcare costs.
What Is a Medicare Advantage Plan?
A Medicare Advantage Plan—also called Medicare Part C—replaces Original Medicare coverage. Plans are offered by private insurers in your area and are optional.
Each Medicare Advantage plan offers standardized coverage, so no matter which insurer you access the coverage through, your benefits are the same as the plan’s other participants. Insurers make rules about the criteria for getting coverage and set the premiums.
Most Medicare Advantage plans require you to use health-care providers participating in the plan’s network. There are limits on what you’ll pay out-of-pocket for covered healthcare services. Some plans offer coverage for nonemergency care out of network, but you may pay more for these services.
Medicare Advantage Plans and Drug Coverage
When you choose Original Medicare coverage, you can opt into Part D coverage to get help paying for prescription drugs.
Many Medicare Advantage Plans provide prescription drug coverage, including the following:
- All special needs plans (SNPs)
- Some preferred provider organization (PPO) plans—You cannot join a separate Medicare drug plan to get Part D coverage.
- Some private fee-for-service (PFFS) plans—If not, you can join a separate Medicare drug plan to get Part D coverage.
- Some health maintenance organization (HMO) plans—You cannot join a separate Medicare drug plan to get Part D coverage.
If you have concerns about whether a Medicare Advantage plan offers coverage for a specific drug or service, you can get a decision from your plan in advance.
Medicare Advantage Plans Extra Benefits
Most Medicare Advantage plans offer extra benefits you won’t get with Original Medicare. When shopping for plans, you may see plans offering the following:
- Coverage for certain medical transportation costs
- Services promoting health and wellness
- Coverage for over-the-counter drugs
- Some vision, dental and hearing services
- Fitness programs
How to Get a Medicare Advantage Plan
Contact Professor Medicare to learn more about using a Medicare Advantage plan to get the best possible healthcare coverage for your situation.
The video will help you as you determine what coverage is best.
Now you should have enough solid, basic information to understand how Medicare Advantage plans work. Next, we will look at Medicare Supplements.
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