If you’re looking for more coverage than Original Medicare offers, a Medicare Advantage plan might be the right fit.
Original Medicare only covers hospital and medical services (Parts A and B), but it doesn’t include things like prescription drugs, dental, vision, or hearing care.
Many people find they need more than just basic coverage; especially as health needs change with age.
Medicare Advantage, also known as Part C, combines the coverage of Parts A and B and often adds extra benefits.
These plans are offered by private insurance companies approved by Medicare, and they may include things like drug coverage (Part D), routine dental cleanings, eye exams, and even fitness programs.
In some cases, they also cap your out-of-pocket costs, which Original Medicare does not.
If you’re exploring options to get more value and convenience from your healthcare plan, Medicare Advantage might offer the benefits and support you’re looking for.
What’s more? Stick with us to find out.
How It Works
Medicare is a health insurance program mostly for people aged 65 and older. However, some younger individuals with disabilities, ALS, or end-stage kidney disease can also qualify. It usually covers hospital stays, outpatient care, and prescription drugs.
But it’s important to know that Original Medicare does not include hospice care. If you’re looking for more benefits and broader coverage, Medicare Advantage could be a better choice.
Why Choose Medicare Advantage?
Medicare Advantage plans, also called Part C, offer the same coverage as Original Medicare. That includes doctor visits, hospital care, lab tests, and short-term stays in skilled nursing facilities. But these plans go further.
They may also include:
- Vision care and glasses
- Hearing exams and hearing aids
- Dental services
- Rides to medical appointments
- Gym or wellness memberships
Some plans even provide extra support like grocery cards, help with utility bills, or credits for over-the-counter items.
Why You Might Need It
This plan can give you access to services that Original Medicare doesn’t cover. Even though there are some limits, like needing to use doctors in the plan’s network, the extra benefits often make up for that.
Here are some good reasons to consider it:
- It includes drug coverage
- You could pay less out of pocket
- It combines all your coverage in one plan
- It has a cap on yearly spending
- It covers extra health and wellness services
Even with pre-existing conditions, you can usually qualify for a plan.
What Is Medicare Advantage?
Medicare Advantage plans are offered by private insurance companies approved by Medicare. They provide complete health coverage; hospital care, outpatient care, and often prescription drugs, all in one plan.
When you sign up, the plan replaces Parts A, B, and sometimes D of Original Medicare.
You’ll still pay your Part B premium, but your overall costs might be lower. Keep in mind that most of these plans require you to see doctors and specialists within their network and may need referrals for specialist visits.
How to Sign In to Your Medicare Advantage Account
If you already have a Medicare Advantage plan and want to log in to your account, here’s how:
- Visit the official website of your Medicare Advantage provider
- Enter your username
- Type in your password
- You can choose to save your login info to make it easier next time
How to Apply for Medicare Advantage
Joining a Medicare Advantage plan is easy if you meet the requirements. Follow these steps to get started:
- Go to the Medicare Plan Finder tool
- Enter your ZIP code to find local plans
- Visit the plan’s website and look for the enrollment section
- You can also call Medicare and ask for a form
- To enroll, you’ll need your Medicare number and your coverage start date
Final Thoughts
Medicare Advantage, or Part C, is a great option if you want more than what Original Medicare offers. These private plans combine hospital and medical coverage and often include drug coverage and extra benefits.
They may also help you save money while giving you access to more services, all in one place.
