For many Medicare beneficiaries, Medicare Advantage Plans provides better benefits than their traditional Part A or Medicare Part B coverage. For most individuals with disabilities, traditional Medicare may not meet their needs for coverage.
Medicare Advantage Plans are designed to meet the unique needs of the individual beneficiary. Traditional Medicare Advantage Plans provides basic health benefits and additional coverage options, such as vision, prescription drug coverage, mental health, dental, and vision care.
While most Medicare medical insurance programs cover doctor and hospital expenses, Medicare Advantage Plans provides an option for additional coverage. Medicare Advantage Plans provides benefits not provided by other programs as they’re tailored to meet the needs of the beneficiary.
Depending on the Beneficiary’s age, type of medical condition, and situation, a Beneficiary may choose from a wide array of Medicare Advantage Plans. Beneficiaries who have other health insurance options, such as a group coverage, Medicare supplement policy, and the Employee’s health savings accounts (HSA), should contact their medical insurance agent to go over the advantages and disadvantages of each program and determine if it’s a suitable option for them.
Generally, a Beneficiary who chooses a supplemental plan will pay higher premiums than Medicare Part A and Part B Beneficiaries. Beneficiaries with supplemental plans should familiarize themselves with the various elements of their program and determine if they qualify for a reduction.
Other benefits offered by Medicare Advantage Plans include the ones that supplement a Beneficiary’s standard Medicare benefits. Supplemental plans may offer hospital, diagnostic, and outpatient care. Sometimes, they may also offer coverage for items not covered under the standard Medicare benefit package.
Most supplemental plans demand that the Beneficiary is eligible for Medicare Part A or Part B coverage, and that he or she be enrolled in an HSA or FEHBPprogram. Beneficiaries who meet these requirements to qualify for additional coverage options and can choose the type of coverage they would like, such as preventative care, eye examinations, and basic vision care.
Beneficiaries will typically get a medical summary that lists their particular health benefits and coverage options. Sometimes, a Beneficiary may have to complete an application. If a Beneficiary hasn’t filed an application within 30 days of the date of service, then their original benefits could be withdrawn.
Beneficiaries may also be asked to get involved in an assessment. This assessment consists of a medical history, mental status examination, and a physical exam.
When choosing a plan, it is important to search for plans offering the same benefits the beneficiary’s Medicare Part A and Part B health program offered. If a plan provides less, they might be more expensive. However, it’s important to remember that many companies offer a discount if a Beneficiary has specific special health conditions, such as diabetes.
Cardiopulmonary options are another example of a plan. Many states offer these options. Cardiopulmonary options include:
Cardiopulmonary services are often provided at hospitals. A Beneficiary’s Medicare Part A or Part B benefits may also include cardiopulmonary services. The beneficiary can select their preferred hospital based on their preference.