Easy Medicare Advantage Explains Michigan Medicare Plans
Health plans approved by the federal government and run by private companies are called Michigan Medicare Advantage Plans. These are referred to as Medicare Part C. This is not supplement insurance and you must follow rules set by Medicare.
Once you are enrolled, Medicare Advantage plans at a minimum cover everything offered by traditional Medicare (Parts A and B) is covered. They also may offer additional benefits not covered by traditional Medicare like dental care, hearing and vision screening, prescription drug programs, and other services that would otherwise have to be selected under a supplement insurance policy.
If you use traditional Medicare and a Medigap policy your out of pocket expense would likely be less with a Medicare Advantage plan. You must pay the same monthly premium as those enrolled in Medicare Part B when you are in a Medicare Advantage plan.
From here on out your cost will depend on the benefits provided by the plan. Some of these plans have deductible and co-payment requirements, however, they do not require you to pay the extra premium. Medicare Advantage plans have lower deductibles and co-payments, but they may charge a premium. A Medicare Advantage plans keeps your overall costs lower.
You will find that a Medicare Advantage plan is more convenient that the traditional Medicare, Medigap and Part D coverage. By having all your health coverage under one umbrella, you dont have to worry about coordinating benefits between different plans and providers. Your statements, bills, etc come under one source under a Medicare Advantage plan. Your life will be less complicated, especially if you have ongoing health issues.
Not everyone’s needs may be met by using a Medicare Advantage plan. When evaluating your Medicare options, however, apply the three Cs (coverage, cost, and convenience) to see whether traditional Medicare measures up to your particular needs.
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Written by William Marks on October 8th, 2009 with
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