Medicare in Plain English (page 4)

What does Medicare Part C cover?

Medicare Part C (also known as Medicare Advantage or MA plans) are medical plans provided by private insurance carriers, including some of the nation’s largest insurers — Humana, United Health Care, Aetna and Blue Cross/Blue Shield and others.

These plans are contracted with the government, so they are required to provide at least as much coverage as government medicare Part A and Part B. Enrolling in an MA plan doesn’t remove you from government medicare program, it just means that a private company will be contracted and responsible for providing your benefits.

Some Medicare Advantage plans provide additional benefits that are not in government medicare. Some examples would be Dental, Vision, Hearing, and more.

Medicare Part C is increasing in popularity with nearly 30% of Medicare beneficiaries nationwide enrolled in an MA plan.

These plans have various structures and requirements. They include PPO plans, HMO plans, PFFS plans and more. Before enrolling, Medicare beneficiaries should take care to understand the benefits and requirements of the plan.

Many MA plans also include Prescription Drug (Part D) coverage. These are known as Medicare Advantage with Prescription Drug (MAPD) plans.

All MA and MAPD plans have a premium. Some have premiums as low as zero dollars ($0.00)

Most areas of the US have at least one MA or MAPD plan available, but not all do. Some areas have several dozen MA/MAPD plans available.

For detailed answers to your questions, a licensed agent at the private Medicare Helpline can assist you and guide you thru comparing benefits and costs of available plans in your area at 1-855-MEDICARE or contact us via the web:

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