Understanding Medicare Advantage Plans
To better understand what is covered by Medicare Advantage Plans you first need to know what is covered by Medicare Parts A & B.
Part A covers hospital care, providing you with affordable inpatient care. It also covers post hospital care, such as skilled nursing facility care, hospice care, and home health care. Part A does not cover long-term care, such as extended stays in a nursing home. Individuals can consider purchasing long-term care insurance if this is something they want to plan for.
Part B includes medical insurance for outpatient services. Among these are doctor’s visits, laboratory testing, and advanced imaging such as MRI or CT scans. Part B also covers preventive care including flu shots, colonoscopies, mammograms and more. Finally, Medicare Part also covers more expensive services like radiation or chemotherapy for cancer, surgeries, medical equipment, and even dialysis for failing kidneys. *It may also cover clinical research, mental health services, second opinions before surgery and limited outpatient prescription drugs.
*Coverage must be determined medically necessary or preventive.
Part C, also known as Medicare Advantage Plans, includes all benefits and services covered under Part A and Part B. It is run by Medicare-approved private insurance companies, and is an alternative to original Medicare. To receive Part C benefits, you must be enrolled in Part A and B. Medicare advantage plans usually include Medicare prescription drug coverage (Part D) as part of the plan.
Why do some Medicare Advantage plans have a $0 premium?
What are the Medicare Part C enrollment periods?
Prescription drug coverage: Optional drug coverage for those with Part A & Part B. For those who’ve enrolled in an Advantage Plan, they must choose a plan with built-in prescription drug coverage; they cannot apply for Part D coverage separately.
What is Part D and how does it work?
How much does Part D cost?
How do I enroll in Part D?
When do I enroll in Part D?
Our mission is to make a positive difference in the lives of Medicare eligible tribal members. We help tribal members save money and receive more benefits that are available to them. We can help you, as a Medicare eligible tribal member, and the benefits that best fit your needs. We may also be able to help determine if you qualify for additional benefits and income.