There are some medical coverage plans that go above and beyond what Medicare’s basic plan provides. The most well-known ones are the Medigap plans, which supplement the main plan, but Advantage plans offer so much more, even covering all original Medicare. The Medicare Advantage Plans for 2018 are every bit as robust as in years past, and we are going to discuss those with you so that you can decide if one is right for you.
What It Covers
The Advantage plan suffer so much more than most other medical coverage plans. They take care of everything you would get from the basic Medicare plan, save for hospice care. They also cover a lot of the more common expenses such as dental, wellness plans, vision and hearing. These apply to emergency room visits, doctor office visits and treatments. You won’t get this kind of coverage from a supplemental plan, even a high coverage one.
Many Advantage plans also take care of your prescription drug coverage, by including Part D coverage for you. You may still have to pay a little out for prescription drugs, but most of those costs will be covered.
There are times when the Advantage plan won’t cover you, particularly for procedures and treatments that are not considered medically necessary. The definition of that changes from time to time and from location to location. If you are not sure of a procedure is going to be covered and if it isn’t considered medically necessary, then you should ask your insurance agent and your doctor. You want to be sure that you know hat you are getting covered for, so that there are no unpleasant surprises when the medical bill comes. You can always ask before you receive any service if it will be covered under your plan.
You may not be able to go to certain doctors and get the same coverage if they are not on your plan’s network. The network varies from plan to plan and provider to provider, so be aware of which doctors and medical facilities are part of the plan’s network. If you go off network for treatment, you will often have to pay for it out of pocket. The only exception is usually when you have no other choice but to go to an off-network facility such as when you have a medical emergency and that facility is the closest one. In those cases, the Advantage plan carrier would be required to cover you.