If you are looking for a Medicare plan that acts like your pre-65 health insurance, you might want a Medicare Advantage plan. Also known as Part C plans, they are offered by private insurers and tend to have more benefits than Original Medicare. Medicare Advantage plans are popular—around 15 percent of the American population are currently enrolled in one—and there are a lot of reasons why.
The first thing to realize is that under the Medicare Advantage umbrella, you’ll find a lot of different options. You can pick an HMO or PPO plan and you can go with one that has lower premiums or pick a higher-priced plan with all the benefits you want. When deciding on your plan, you’ll need to do some research about what doctors you can see. Some Medicare Advantage plans have localized networks of providers, so double-check that your favorite physicians are on the list.
As for specific benefits, you start with everything included under Medicare parts A and B, plus more. Depending on your health needs and budget, you can opt for a Medicare Advantage plan that has extra benefits like vision, hearing, or dental. Because you have so many options, you can find a plan that fits you best.
Nearly everyone who has Medicare part A or B can join a Medicare Advantage plan as long as you live in the service area of the specific plan you want to join. (The one exception is that people who have End-Stage Renal Disease usually can’t join a Medicare Advantage plan). If you want to enroll in a Medicare Advantage plan (or switch between Medicare Advantage plans) to ensure you have a complete package of Medicare benefits, make sure to do so during the annual enrollment period, which runs from October 15th to December 7th.
Learn more about the Blue Cross Blue Shield of Michigan and Blue Care Network’s Medicare Advantage coverage here.
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