Medicare Advantage Plans: What You Need to Know

 

Uncertain about the details of Medicare Advantage? Here’s what you need to know.

The Medicare open enrollment period, running from Oct. 15 to Dec. 7 annually, is now underway. This gives you the chance to make adjustments to your current Medicare coverage. One potential change worth considering is transitioning from original Medicare (Parts A and B, along with a Part D drug plan) to a Medicare Advantage plan. This shift could provide you with enhanced coverage and potential savings on healthcare expenses. If you’re still unsure about how Medicare Advantage plans operate, here are some crucial points to consider:

1. They must cover all the services included in original Medicare.

When you sign up for a Medicare Advantage plan, you’re guaranteed to receive, at minimum, the same level of coverage offered by original Medicare. While some may be enticed by the potential cost savings of an Advantage plan, it’s important not to compromise on essential services for the sake of saving money.

    2. They often include additional services.

Dental care, eye exams, and hearing aids are generally not covered by original Medicare, despite being common expenses for seniors. Medicare Advantage plans frequently offer supplemental benefits in addition to what original Medicare provides. In fact, most Advantage plans include dental coverage, and many also cover eye exams and hearing aids. Some plans even offer extra perks like paid gym memberships and meal delivery services.

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