Get all the benefits you entitle to receive at the lowest possible cost.
When you join a Medicare Advantage plan you forfeit your rights to original Medicare--an important decision you should not take lightly.
Medicare Advantage plans generally have a lower monthly premium or even zero-dollar premium plans are available in some areas.
Although a low monthly premium may be attractive to some, these "pay as you go" plans can include deductibles, co-insurance, and co-pays.
These out-of-pocket expenses may exceed 8,850.00 per year in most cases in 2024.
Medicare Advantage Plans require patients to seek treatment within a PPO or HMO network.
These plans are more restrictive on doctor and hospital access than traditional Medicare and often include a limited list of approved providers in a specific geographical area.
Medicare Advantage plans also give more authority to the insurance companies as to what is or what is not medically necessary.
- Lower monthly costs or even zero-dollar premium plans available in some areas.
- Limits on doctor and hospital access. Typically restricted to an HMO or PPO network.
- Plans may require Primary Care Physician approval prior to seeing a specialist.
- Most plans include a combination of deductibles, co-pays, and co-insurance.
- In 2024, most Medicare Advantage plans include yearly maximum of up to $8,850.00 in out-of-pocket expenses. Possibly much more if you go out of network.
At My Medicare Expert, we believe that most seniors are better served with original Medicare and a competitively priced Medicare supplement plan.
However, we realize that there are some seniors with special needs that request our help with these type plans.
Perhaps you are already on a Medicare Advantage plan and because of changes in the plan, (like your doctor is no longer in the network) you need our help.
For these reasons, we have agents who are A.H.I.P certified to offer Medicare Advantage plans, as well as Part D supplemental coverage.
These cases, however, are handled on a referral basis only as we do not actively advertise or market these type plans.
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