What Is Medicare Advantage?
Medicare Advantage plans have comprehensive coverage with $0 or low monthly premiums.
The following scenarios and details can give you additional knowledge and confidence when considering Medicare Advantage (Part C) plans.
Scenarios For Choosing Medicare Advantage
You want a low monthly premium combined with a single all-in-one plan, along with the ease of dealing with a single insurance company.
Your doctor is in-network, and your prescription drugs are covered by Medicare Advantage.
You want to upgrade your current Medicare Supplement plan but were denied due to a pre-existing condition. With Medicare Advantage, you can't be denied for health reasons.
As noted, Medicare Advantage plans provide comprehensive coverage for hospital and medical care, along with routine dental, vision, and hearing care. Most plans also include Prescription Drug (Part D) coverage.
Choose Between A Health Maintenance Organization (HMO) And A Preferred Provider Organization (PPO).
Health Maintenance Organization: Lower premiums and copays, but require in-network doctors, and some require referrals to see specialists
Preferred Provider Organization: Higher premiums and copays, but you can see out-of-network doctors, with no referrals for specialists
Make sure your doctor is in-network if you choose an HMO plan. Even if you choose a PPO with out-of-network coverage, your costs will be lower if your doctors are in-network. Also, check to ensure your prescription drugs are included before choosing your Medicare Advantage plan.
Special Needs Plans (SNPs) provide support, benefits, and coverage for those who qualify based on chronic medical conditions or low incomes.
Anthem offers other benefits, including spending allowances for over-the-counter health items, groceries, utilities, transportation, and more, as well as SilverSneakers® fitness memberships. (Benefits may vary based on plans, locations, and individual conditions.)
You'll need Original Medicare‡ Parts A and B to enroll. Here are key details about when to enroll.