GUIDE BOOK
KNOW THE DIFFERENCES before you go
VERY DIFFERENT FROM ORIGINAL MEDICARE
You are responsible for Copays, Deductible, Coinsurance up to your Max Out of Pocket each year (they run 6,700-10k) They also will have Prior Authorizations for procedures that could be denied. So, while there is no premium up front on some of these plans, on the back end when you need to use the plan is when you will pay
BEWARE
If you’ve been enrolled in your Medicare Advantage plan for less than a year, I have good news.
When you enroll in a Medicare Advantage Plan for the first time and find that it doesn’t meet your needs, you have a one-time 12-month trial period.
During this period, you can return to Original Medicare. You also have the option to reclaim your previous Medigap policy, provided your carrier hasn’t discontinued the plan.
You can also apply to a different Medigap plan. However, you may face medical underwriting (you'll need to answer medical questions on the application).
Must be done PRIOR to the Medicare Advantage Disenrollment period
January 1 to February 14 each year. During this time, you can disenroll from a Medicare Advantage plan and return to Original Medicare (Part A and Part B) and apply for a MedSup and also enroll in a stand-alone Part D prescription drug plan.
Disenrollment requests are effective on the first day of the month following the request date. For example, if you disenroll in February, it won't go into effect until March 1.
Advantage plans
Medicareful
Medicareful
Medicare Advantage Plans
Part C
Available in ALL States
- No Monthly Premium (usually)
- Must use their doctors
- Might need referrals
- Might have network restrictions.
- Prescription drug coverage is included with most plans
- Might include some additional benefits that MedSups don't like; Dental, Vision, Hearing tests, Hearing Aids, Fitness, Podiatry and Rides to doctor appoitments.
- Extra Help for Low Income Individuals
- Special Needs Plans for individuals who have chronic considtions.
- Dual Needs for individuals who have Medicare and Medicaid-excellent plan offerings.
Medicareful
Medicareful
Medicareful
Quote your own Medicare Supplements or Advantage plans and see the differences
