Does medicare advantage pay for everything?

Medicare Advantage plans must cover all services covered by Original Medicare, except hospice care. Original Medicare covers hospice care even if you're in a Medicare Advantage plan. With all types of Medicare Advantage plans, you're always covered for emergency and urgent care. A Medicare Advantage plan is intended to be a comprehensive alternative to Original Medicare.

These plans are offered by private insurance companies that contract with Medicare to provide Part A and Part B benefits, and sometimes Part D (prescription drugs). You'll find that many plans unexpectedly don't cover certain expenses when you get sick, resulting in unforeseen out-of-pocket expenses for you and what they pay may vary depending on your overall health condition. However, if you were eligible for Medicare before then, but haven't yet enrolled, you may be able to get Plan F or Plan C. Most medicare advantage plans work with a limited network of health care providers, so make sure your doctor's visit is covered.

Medicare Advantage plans, sometimes called “Part C” or “MA” plans, are offered by private companies approved by Medicare that must follow the rules set by Medicare. If you need out-of-town coverage, a Medicare Advantage plan may not help you cover these unexpected medical costs. While you can save money with a Medicare Advantage plan when you're healthy, if you get sick in the middle of the year, you won't have to pay the costs you incur. You can't use Medigap to pay any costs (copays, deductibles, and premiums) you have in a Medicare Advantage plan.

In addition, some companies offer other health-related benefits in their Medicare Advantage plans, such as gym memberships, medical transportation, and meal delivery. Medicare Advantage plans, sometimes called Part C or MA plans, are offered by private companies approved by Medicare that must follow the rules set by Medicare. Aetna offers three different Medicare Part D plans, with offers available throughout the United States. While some Medicare Advantage plans have more out-of-pocket costs, others will help you save on long-term medical costs.

Medicare Advantage plans have an annual limit on their out-of-pocket costs for all Part A and Part B services. Because Medicare Advantage plans cannot choose their customers (they must accept any Medicare-eligible participant), they discourage people who are sick because of the way they structure your copays and deductibles. Medicare Advantage plans have an annual limit on their out-of-pocket costs for medical services, called the out-of-pocket maximum (MOOP). However, most Medicare Advantage plans also cover additional health-related services, such as prescription drugs, eye care, and dental.

Elise Woehl
Elise Woehl

Subtly charming student. Award-winning twitter practitioner. Incurable coffee scholar. Friendly thinker.