Medicare Advantage (MA) plans in Utah are combined and comprehensive alternatives to Original Medicare. As such, these plans replace Medicare Parts A and B, and often Part D, which is Medicare prescription drug coverage. Medicare advantage plans may include additional benefits that Original Medicare doesn't cover, including dental, vision and hearing care, 1.Medicare Advantage plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage plans, sometimes called “Part C” or “MA” plans, are offered by private companies approved by Medicare that must follow rules set by Medicare.
Most Medicare Advantage plans include drug coverage (Part D). In most cases, you'll need to use healthcare providers who are involved in the plan's network. These plans set a limit on what you'll have to pay out-of-pocket each year for covered services. Some plans offer non-emergency out-of-network coverage, but they usually have a higher cost.
Remember to use your Medicare Advantage plan card to receive services covered by Medicare. Keep your red, white and blue Medicare card in a safe place because you may need to use your Medicare card for some services. Plus, you'll need it if you ever switch back to Original Medicare. Below are the most common types of Medicare Advantage plans.
Most Medicare Advantage hmo and PPO plans and all SNP plans offer prescription drug coverage like what you would get from Medicare Part D. In Utah, the most common Medicare Advantage plans available are HMO or PPO, although there are also some regional SNP and PFFS plans available. For example, Original Medicare plans don't have an out-of-pocket maximum, but Medicare Advantage plans do. For example, seniors and people with disabilities who don't need much coverage can apply for Original Medicare.
If you need a lot of health care services, a Medicare Advantage plan could help you lower your overall costs by setting a limit on how much you'll pay out-of-pocket in a single year. All Medicare Advantage plans offer the same coverage as Original Medicare, but additional benefits may be accompanied by an increase in premium. For example, if you need an HMO plan with a high CMS score, drug coverage, and nine major benefits, the Advantage Essential Plan from SelectHealth may be the best option. Designed to be a comprehensive solution, Medicare Advantage plans are offered by private insurance companies approved by Medicare.
Medicare offers special enrollment periods for unusual life circumstances, such as losing your job (and health coverage) and moving out of the area where your insurance company serves. For example, the Aetna Medicare Elite plan is best for customers looking for a PPO plan with the top six benefits, a high CMS star rating, and Part D drug coverage. If you need advice or advice about Medicare and Medicare programs, contact Utah's State Health Insurance Assistance Program (SHIP) at 1-800-541-7735 or find a local office on the Utah Department of Human Services website. MoneyGeek also looked at the best Medicare supplement plans in Utah for those that focus on covering out-of-pocket expenses.
Learn the differences between these plans and how they affect your coverage so you can make the right decision for your medical situation. Medicare-eligible seniors can choose from plans offered by several private insurers, though available options vary by county. Regence MedAdvantage+ Rx Primary (PPO) by Regence BlueCross BlueShield of Utah is the best possible plan for people looking for health plans with high out-of-pocket limits that don't require drug coverage. Eligibility and Enrollment To be eligible for Medicare Advantage, you must also qualify for Medicare Parts A and B.