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Recently, Medicare has allowed qualified health care providers to offer extended benefits to Medicare recipients. These Plans offer much more than basic Medicare. You do not lose your Medicare benefits, you just get better health care. These plans are highly regulated to protect you, the recipient of these benefits. There are many providers and choices, and frankly, it can be very confusing in making the right decision!
Now is the time to think about your healthcare choices and to save money for the things you enjoy. But as you know, Medicare doesn't cover all the benefits you need and supplemental coverage can cost a fortune. That's why Medicare Advantage Plans offer expanded benefits and predictable co-pays.
They offer “Peace of Mind”
And most have fixed costs so you know what to expect!
Contact us now, we have Medicare Specialists who will help you choose the Right Plan that fits your Lifestyle, Financial Needs and Health Conditions
Medicare Advantage Plans are health plan options (like HMOs and PPOs) approved by Medicare and run by private companies. These plans are part of the Medicare Program and are sometimes called “Part C” or “MA plans.” Medicare pays an amount for your care every month to these private health plans. Medicare Advantage Plans must follow rules set by Medicare. Medicare Advantage Plans aren’t supplemental insurance.
Medicare Advantage Plans provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) benefits and must cover at least all of the medically-necessary services that the Original Medicare Plan provides. However, Medicare Advantage Plans can charge different copayments, coinsurance, and deductibles for these services. . Medicare Advantage Plans offer extra benefits, such as vision, hearing, dental, and/or health and wellness programs, and most include Medicare prescription drug coverage (usually for an extra cost). Medicare Advantage Plans generally have provider networks. You get extra benefits, like some coverage for vision, hearing, dental, and/or health and wellness programs.
You can join or switch plans only during certain times of the year. You generally still pay the monthly Part B premium. You also pay the Medicare Advantage Plan’s premium (if they charge one) that includes coverage for Part A and Part B benefits, prescription drug coverage (Part D, if offered), and any other extra benefits (if offered).
You don’t need to (and can’t) buy a Medigap policy. It won’t cover your Medicare Advantage Plan deductibles, copayment, or coinsurance. If you see a doctor who doesn’t belong to the plan, your services may not be covered, or your costs could be higher. Plan benefits may change each year. The plan will send you an Annual Notice of Change each fall. This notice has information about any changes in benefits, costs, or service area that will be effective in January. If the plan covers prescription drugs, the notice will include changes to the formulary. We will review this notice carefully to learn about changes for the upcoming year to help you decide if you want to look at other plans in your area.
This is supposed to be the Fun Time of your Life!
We will make sure it is just that, Fun, Profitable and Relaxing!
Axis Financial Consultants, LLC
Phone: 727-623-2727
E-mail:buddy@afccentral.com
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How Do Medicare Advantage Plans Work?
There are five different kinds of Medicare Advantage Plans. Most of these plans, like HMOs, have networks of doctors that see you if you belong to the plan. Others, such as Private Fee-for-Service (PFFS) Plans, allow you to go to any doctor if the doctor agrees to accept the plan’s terms of payment before treating you.
There are also Medicare Advantage Plans called Medicare Special Needs Plans (SNPs) that serve certain people with Medicare who are chronically ill, who live in institutions like nursing homes, or who have other special needs. Or, they qualify for Medicaid or other Government Assistance
You can generally join a Medicare Advantage Plan if you meet these conditions:
You have Part A and Part B. You live in the service area of the plan.
* subject to the provider and benefits within their Medicare Advantage Plan
· Turning 65 ?
· Retired and Losing Health Coverage?
· Just Relocated to the Area?
If you have a Chronic Illness such as Diabetes, Coronary Artery Disease, Stroke, High Blood Pressure and other Cardiac Conditions such as Hypertension, you could get
BETTER health care for FREE!*