People enrolled with the Medicare get the health coverage from the original Medicare whereas some choose in order to get their benefits by enrolling themselves in a Medicare Advantage Plan. The Medicare Advantage Plans comes under the policies of federal government and a fixed amount is paid to them from the person in order to provide them with the Best Medicare benefits:
The Medicare Advantage Plans:
- HMO’s or Health Maintenance Organizations
- PPO’s or Preferred Provider Organizations
- PFFS or Private Fee for Services.
Do not forget that you will be having a Medicare If you enroll in a Medicare Advantage Plan (MAP). You will be asked to pay monthly premiums for each policy you decide to go for. The terms and conditions involved in Medicare Advantage plan may have some different policy restrictions when compared to the Original Medicare Insurance Policies but do offer the same service.
The Medicare Advantage Plans may charge a premium in addition to the Part B. They might also charge a fixed amount which is known as Copayment, which means that you are responsible whenever you receive the coverage services.
You can get yourself enrolled in the Medicare Advantage if in case:
- You have Medicare insurance coverage Part A and Part B.
- You reside in the insurance plan service area
- If you do not suffer from End Stage Renal Disease.
Important Note: In case you are suffering from the ESRD that needs the Kidney transplant or dialysis, you are eligible to enroll in a Medicare Advantage Plan in case you join in the Special Needs Plan that specifically goes as per your ESRD.
In case you desire the Medicare Coverage via Medicare Advantage Plan along with the drug prescription coverage, then you must generally select a plan that includes the Part D drug coverage as a part of its advantage package.