Medicare Advantage FAQ

Lots of seniors have questions about Medicare Part C. Take a look at these Medicare Advantage Plans Frequently Asked Questions, and see if any of them answer your queries:

Q: Do I need Medicare Parts A and B to sign up for a Medicare Advantage Plan?

A: Yes. You must have both parts to join a Medicare Advantage Plan.

Q: Who can enroll in a Medicare Advantage Plan?

A: Typically, if qualify for Medicare Parts A and B, you also are eligible for Medicare Advantage Plans. You must, however, live in a Medicare Advantage service area. Medicare Advantage plans may not be available in all areas.

Q: Do I still need to show the provider my original Medicare card if I enroll in a Medicare Advantage Plan?

A: No. You’ll need to use your new Medicare Advantage Plan’s identification card. Keep your Original Medicare card in a safe place in case you change plans again.

Q: Do most Medicare Advantage Plans offer prescription drug coverage?

A: There are two ways you can get your prescription drug coverage. You can add it through a “stand alone” prescription drug plan or you can get that and the rest of your Medicare coverage through a Medicare Advantage Plan, like an HMO or PPO.

Q: Do Medicare Advantage Plans cost the same and do they offer the same level of coverage?

A: Cost, extra benefits and rules vary. However all Medicare Advantage Plans must offer at least the same coverage as Original Medicare.

Q: If I join a Medicare Advantage Plan, do I also need a supplemental Medigap policy?

A: A Medigap policy isn’t required. If you already have one, you can keep it. However, Medigap won’t pay for any plan costs, such as copayments.

Q: Can I join or leave a Medicare Advantage Plan at any time?

A: You can make changes at certain times and elect to change Medicare Advantage Plans annually. There are some exceptions. At certain other times throughout the year you may be able to join, switch or drop your plan.

Q: What happens with my Medicare Advantage Plan if I’m hospitalized?

A: Hospitalization coverage varies, depending on your plan. For instance, some Medicare Advantage Plans have an established daily copayment, while others have a preset amount per hospital stay. You should consider this when selecting a plan.

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