Medicare Advantage plan is a program under the Medicare which is a program that was pioneered in the United States by the federal government. This plan sometimes is referred to as part C or MA Plans. The program is offered by the private companies in collaboration and approval by the Medicare. For Medicare Advantage plans to work effectively, it must follow the rules set by the Medicare specifically on how they should offer their services. Joining Medicare advantage plans does not alienate the beneficially from the Medicare one still gets both hospital and medical insurance which is not under the original Medicare.
One of the significant importance of Medicare Advantage plans is that it covers all the services under the Medicare programs. Moreover, this program also includes emergency and urgent medically related issues. Additionally, this plan also offers other extra covers which are equally critical such as vision, dental problems, hearing impairments and wellness programs to ensure that the beneficially is covered under the Medicare.
Medicare advantage plans have a well stipulated rules that imperatively governs how it works. For anyone to access the services offered by this program one is required to pay a particular premium monthly. This fixed amount is paid to the companies providing the services. For instance, in 2018 the standard part B premium amount is $ 134 or more depending on individual level of income. However, individuals who benefit from social security benefits tend to pay less than those who don’t get them. For example, on average the amount of those people in 2018 is $ 134 which is considerably low and very affordable.
Medicare Supplement Plans 2018 cover only the medically necessary services, and therefore it is the responsibility of an individual to pay for all the cost of the facilities that aren’t necessary under Medicare. To avoid this unnecessary cost an individual need to confirm with the service provider before accessing the services vigilantly. However, to mitigate this situation one can ask for a written advance coverage decision which relieves the beneficially from paying the cost of coverage as they ascertain that the service is medically necessary and that there is a guarantee that it will be fully covered.
In conclusion, an individual cease to benefit from Medicare advantage plan if he/she joins a separate Medicare Prescription Drug plan and a result the beneficially is automatically returned to original Medicare.