Medicare Advantage – What it is and How it Works

Medicare Advantage, also known as Medicare Part C, is a type of health insurance plan offered by private companies that contract with Medicare to provide individuals with Medicare benefits. It combines the coverage of Medicare Part A (hospital insurance) and Part B (medical insurance) into one plan. It often includes additional benefits not covered by traditional Medicare, such as vision, dental, and prescription drug coverage.

Medicare Advantage - What it is and How it Works

In addition, this plan provides supplanting benefits, hospital, prescription drug, and outpatient coverage. Unlike other traditional sources, Medicare provides benefits and allows members to access care from any provider in their network. They also their customers with referrals whenever they need to see a specialist.

How Does it Work?

Medicare is for younger people with disabilities, end-stage renal diseases, and even people who are 65 or older. In addition, Medicare can also be used by people with amyotrophic lateral sclerosis and permanent kidney failure who need a transplant or dialysis.

The plans cover prescription drug coverage and hospital and outpatient coverage. However, Medicare Advantage plans do not cover hospice care. There are also different coverage options that you can enjoy with some of the Medicare Advantage plans. When you apply for or join Medicare Advantage, you can access these plans and benefits.

What Does Medicare Advantage cover?

As mentioned earlier, there are various coverage options that you get with the Medicare Advantage plans. For instance, the MA plans offer all your Part A and B benefits, though there are some exceptions. Moreover, when you get a Medicare Advantage, there are benefits and coverage that you enjoy that your typical Medicare plan doesn’t cover.

Dental services, fitness programs, and hearing, and vision are on the list. But medically important services, such as urgent and emergency care, are part of your coverage when you get Medicare Plan C.

Who Can Join a Medicare Advantage Plan?

To be able to join the Medicare Advantage plan, you need to make sure that you are qualified first. So, you must:

  • Be a U.S. citizen or legal resident of the country.
  • Must have Part A and Part B plans.
  • Reside in the plan’s service area.

If you qualify in all of these areas, you can get Medicare Part C coverage.

Why Do I Need It?

The most important reason why you should get a Medicare Advantage plan is because you have coverage for different things that your normal Medicare does not cover. Nonetheless, keep in mind that what has advantages also has disadvantages. But here are some convincing reasons why you need this coverage:

  • All-in-one care.
  • Additional benefits.
  • Drug coverage.
  • Lower costs are affordable.
  • Spending caps.

So, when you have the Medicare Part C plan, you have access to all of this coverage whenever you need it. What’s more, if you have pre-existing conditions as an individual, you can offer coverage as well.

How To Apply For Medicare Advantage

Joining or applying for Medicare Advantage is very simple. If you meet their requirements, you are one step closer to succeeding in this process. Nevertheless, if you need assistance with this process, I have got you covered:

  • Find and use Medicare’s plan-finding tool.
  • This will help you find a plan in your area.
  • Next, enter your zip code.
  • Visit the plan’s official website and find the enroll option.
  • Get in touch with Medicare to get the enrollment form.

Apart from this, you can place a call to their phone number to complete this process online. To enroll, you need your Medicare number as well as the date your coverage started.

Medicare Advantage Login

Do you have an account? Would you like to sign in or access your account but cannot seem to sign in? Do not worry, because this section will be quite helpful. So, here is how to sign into your Medicare Advantage account:

  • Go to their official website online.
  • Enter your username.
  • Then, your password.

You can save your username for the next time you want to sign in, or click on the link below to reset your password or username.

The Best Medicare Advantage Providers

Here are some of the best Medicare Advantage providers to try out if you need some helpful ideas:

  • Humana.
  • Aetna.
  • Kaiser Permanente.
  • Wellcare.
  • Cigna.
  • UnitedHealthcare.
  • Blue Cross Blue Shield.
  • AARP.
  • Anthem.
  • Highmark.

And many more. There are more insurance companies that offer this type of service, but it is important that you shop right before you purchase this plan.