The Coverage Of Medicare Advantage Plans
Even though Medicare covers several healthcare costs and helps out aging adults, there are certain expenses, like prescription medications, hearing aids, and glasses that can leave the person with a lot of medical bills.
However, Seniors are now discovering ways to get Medicare Plans that can cover Dental expenses:
What is Medicare?
Wikipedia states that Medicare is a national health insurance program in the United States, begun in 1966 under the Social Security Administration (SSA) and now administered by the Centers for Medicare and Medicaid Services (CMS). It primarily provides health insurance for Americans aged 65 and older, but also for some younger people with disability status as determined by the Social Security Administration, as well as people with end stage renal disease and amyotrophic lateral sclerosis (ALS or Lou Gehrig's disease).
The Gaps In Your Basic Medicare Coverage Gets Filled By The Medicare Advantage Plans
The coverage has to be the most important reason for considering a Medicare Advantage plan. Thanks to this ‘Part C’ plan, your basic Medicare coverage receives additional services that aren’t in the traditional Medicare.
Typically, Medicare Advantage plans offer similar coverage just like Medicare, and often cover everything that is in Part A, Part B, and Part D plus additional services. It is up to you to decide the amount of coverage you require, if you want the PPO plan or the HMO plan, and the kind of copay you are alright with. Even though a lot of them offer similar coverage types, each plan comes with different rules and benefits. Here is a list of a couple of the commonly added coverage options that come with the Medicare Advantage plan.
- Hearing Care And Hearing Aids
Medicare does not cover any type of hearing care, especially when it comes to Part A and Part B. Patients who have basic Medicare have to pay the full cost for their hearing exams plus any hearing aids. However, that is where Medicare Advantage plans differ from the traditional Medicare. With many of the Medicare Advantage plans, your regular hearing exams are covered, which might also include coverage for the hearing aids as well.
- Dental Care
There is no coverage of dental care in traditional Medicare. On the other hand, Medicare Advantage plans offers coverage for dental care. With a supplemental plan like this one, your regular dental procedures plus other in-depth procedures are either covered completely or partially when it comes to cost.
- Vision Care
Only eye exams are covered when it comes to the original Medicare in case you have some other medical condition, which qualifies you for coverage of vision care. However, there are several Medicare Advantage plans that offer regular vision coverage. Plus, you might also receive a more extensive coverage that is according to your particular Medicare Advantage plan.
- Prescription Medications
For many years, individuals who have subscribed to the original Medicare have left many complaints regarding the high costs and lack of coverage of prescription medications all thanks to the original Medicare. On the other hand, a Medicare Advantage plan is able to provide an individual with a thorough coverage of their prescription medication. An individual needs to do research and pick a Medicare Advantage plan, which covers their specific medications.
Start Paying Less For Your Healthcare With A Medicare Advantage Plan
Furthermore, besides providing additional coverage for healthcare, the Medicare Advantage plans will save you a lot of money. These plans do have a premium, but certain plans come with a premium that is as low as zero dollars. Because of more coverage levels and different copays, an individual could actually pay less whenever they visit their doctor. For instance, a Medicare Advantage plan could have a $10 copay only, which is a lot less as compared to the regular Medicare coinsurance cost of 20% of the bill.
Therefore, if you are searching for an additional or improved healthcare coverage, you need to take a look at the Medicare Advantage plans. There are numerous options available for you, so you just need to compare the levels of their coverage and their costs in order to find the right Medicare Advantage plan for you.
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Alexander Pomroy
I’m obsessed with helping people find better deals and channel my obsession into new stories for Wealthy Netizen. When I’m not writing up new buying guides, I spend my time outdoors skiing or jogging or in the gym pumping iron.
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You can use willow bark for pain relief instead of aspirin. The secret to pain relief may be in your backyard. For centuries, willow bark has been used as an alternative to aspirin. The active ingredient in the bark, salicyl, turns to salicylic acid and is more gentle on the stomach than over-the-counter aspirin. But before you throw out all of your aspirin, here’s 7 household aspirin uses you never knew about.
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