Medicare Advantage (MA) Plans are not used in conjunction with your Original Medicare benefits, like a Medigap policy. In fact, when you enroll in a MA plan you will be automatically dis-enrolled from Medicare Part A and Medicare Part B. Please note, however, that Social Security will continue to take your Medicare Part B monthly premium from your check. This covers Medicare’s contribution to your MA plan.
All Medicare Advantage Plans are required to cover all of your government guaranteed hospital and medical services. There is one exception to this rule, and that’s hospice care. Once you choose hospice, your treatment is palliative and Medicare takes care of your hospice care services, not your MA plan.
So, now you know that Medicare Advantage Plans cover emergency and urgent care, as well as your doctor visits and specialists. So, where does the “Advantage” part come in?
The advantage is that MA plans are permitted to offer extra coverage benefits to you, such as dental, hearing, vision, prescription drugs, gym memberships and more. In fact, most Medicare Advantage Plans also include Medicare Part D so you can get your prescriptions filled. In most areas you will find at least on Medicare Advantage Prescription Drug (MAPD) Plan with a $0 additional cost premium.
Still have questions about Medicare Advantage Plans?
Try one of these additional articles:
- What do Medicare Advantage Plans cover?
- How much do Medicare Advantage Plans cost?
- When is the Medicare Annual Election Period?
- What are Medicare Advantage Plans?