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Free Medicare Advantage Plans: The Real Story

Are There Really Free Medicare Advantage Plans?

Everyone likes it for free. But what if free is not really free? We all know the meaning of free: which has no cost. But what about Medicare Advantage plans? Is a plan with a $ 0 prize free?

To get to the bottom of these questions, we need to review how a Medicare benefit plan works. Private insurance companies offer plans as another way to receive your Medicare benefits. Plans should include all Part A and Part B benefits and often also include Part D drug benefits.

You must also continue to pay your Medicare Part B premium, regardless of the monthly premium; Even if it’s $ 0 a month. And here is the answer to the question.

Would you refer to Medicare as free? When the Part B premium is deducted from your Social Security income (as a painful reminder!), You probably won’t. The practice of referring to plans as free began when people realized there was a disparity in Medicare Advantage awards. Plans with $ 0 prizes were automatically considered free.

In fact, Medicare prohibits insurance companies and their agents from referring to $0 premium plans as free, because it simply is not the case.

So what’s wrong with the $0 premium plans?

The answer is absolutely nothing as long as this plan suits your circumstances. But a plan with a $0 prize will not necessarily have the lowest cost. The deductibles, copayments, and co-insurance required when using your plan can have a greater impact on overall costs than on the monthly premium.

There is more to determining your actual cost than finding a plan with the lowest premium. And if you really think about it, money should not be your first priority when comparing plans. To view the plans simply visit today.


Tips for finding low cost plans, not free plans

When comparing Medicare Advantage plans, you should know which features are the most important to consider. These include:

  • Benefits Summary
  • Provider Directory

Part D form (for drug coverage plans)

The Summary of Benefits goes far beyond the literature highlighted in the application package. You can find out what your costs will be for any covered service. With this information, you can evaluate how you use health services, considering your current health to estimate your annual costs.

Most Advantage plans require you to use a network of providers such as HMO or PPO. Choosing a plan that requires you to find new suppliers is not very convenient. Find a plan that includes your doctor, specialists, ancillary facilities, and hospitals. You will be glad you did.

Most plans include drug coverage. The Part D form is a list of all drugs covered in a plan and also contains details about the location of each level.




5 things to keep in mind when integrating your home health care with Medicare

Medicare can be disconcerting, especially when it combines complex health problems and the need for medical assistance such as oxygen or hospital beds. Although it is difficult to cross the insurance puzzle, it is estimated that 47.5 million persons get this policy in 2010, which is above one-sixth of the country’s population.

Here is a brief overview and some answers to some common questions about Medicare and home health care.

  1. Who qualifies?

Medicare is a national health insurance program provided by the U.S. government for those who are:

– 65 years and over

– Children under 65 with certain disabilities.

– Diagnosed with end stage renal disease (ESRD), a form of permanent renal failure that requires dialysis or kidney transplantation.

  1. What types of services does Medicare cover?

Medicare has four different coverage sections: Part A, B, C and D. “Original Medicare” consists of Parts A and B, while Part C is known as the “Medicare Advantage Plan.” Now, these 4 parts are briefly summarized:

– Medicare Part A: Hospital insurance

* Part A covers hospital care, as well as medical care in specialized nursing centers, home health care and hospices.

– Medicare Part B: medical insurance

* Part B covers visits to the doctor and visits to other health professionals. In addition, Part B covers outpatient hospital care, durable medical equipment (such as intravenous infusion devices) and home health services. Part B also covers specific types of preventive services, such as obtaining certain vaccines.

– Medicare Part C: Medicare Advantage

* Part C is a combination of health insurance options purchased from some other private insurance firms with Medicare approval. Part C also includes Medicare prescription drug coverage (Part D) and can be adapted to include additional benefits at an additional cost.

– Medicare Part D: Prescription Drug Coverage

* Part D covers prescription drugs approved by Medicare and may reduce the cost of other drugs. Similar to Part C, Medicare-approved private insurance companies also administer Part D.

Visit to compare rates online.

  1. Why should I choose between Medicare plans?

Choosing “Original Medicare” (Parts A and B) involves paying the monthly Part B premiums and may require additional insurance to pay coinsurance and deductibles to consult with doctors, hospitals and other providers that accept Medicare. If you need prescription drug coverage, you must pay a monthly premium to join the Prescription Drug Plan (Part D).

The “Medicare Advantage Plan” (Part C, which covers Parts A and B), also requires payment of monthly premiums, in addition to the Part B premium, and a copayment for doctors in plans, hospitals. If prescription drugs are not covered by your supplemental coverage, you can join the Prescription Drug Plan (Part D).