■Visit www.medicare.gov/publications to view the booklet “Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.” You can also call 1-800-MEDICARE (1-800-633-4227) to find out if a copy can be mailed to you. TTY users should call 1-877-486-2048.
■Visit www.medicare.gov/Medigap.
■Call your State Insurance Department. Visit
www.medicare.gov/contacts or call 1-800-MEDICARE to get the phone number.
■Call your State Health Insurance Assistance Program (SHIP). See pages 137–140 for the phone number.
A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare.
Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. You will get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Medicare Advantage Plan and not Original Medicare. In all types of Medicare Advantage Plans, you’re always covered for emergency and urgent care. Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you’re in a Medicare Advantage Plan. Medicare Advantage Plans aren’t supplemental coverage.
Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). In addition to your Part B premium, you usually pay a monthly premium for the Medicare Advantage Plan.
Medicare pays a fixed amount for your care every month to the
companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare. However, each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan for non-emergency or non-urgent care). These rules can change each year.
There are different types of Medicare Advantage Plans:
■Health Maintenance Organization (HMO) Plans—In most HMOs, you can only go to doctors, other health care providers, or hospitals on the plan’s list except in an emergency. You may also need to get a referral from your primary care doctor. See page 76.
■Preferred Provider Organization (PPO) Plans—In a PPO, you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. You pay more if you use doctors, hospitals, and providers outside of the network. See page 76.
Blue words in the text are defined on pages 141–144.
■Private Fee-for-Service (PFFS) Plans—PFFS plans are similar to Original Medicare in that you can generally go to any doctor, other health care provider, or hospital as long as they agree to treat you. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care. See page 77.
■Special Needs Plans (SNP)—SNPs provide focused and
specialized health care for specific groups of people, such as those who have both Medicare and Medicaid, who live in a nursing home, or have certain chronic medical conditions. See page 77. There are other less common types of Medicare Advantage Plans that may be available:
■HMO Point-of-Service (HMOPOS) Plans—This is an HMO plan that may allow you to get some services out-of-network for a higher copayment or coinsurance.
■Medical Savings Account (MSA) Plans—This is a plan that combines a high deductible health plan with a bank account. Medicare deposits money into the account (usually less than the deductible). You can use the money to pay for your health care services during the year. For more information about MSAs, visit www.medicare.gov/publications to view the booklet “Your Guide to Medicare Medical Savings Account Plans.” You can also call 1-800-MEDICARE (1-800-633-4227) to find out if a copy can be mailed to you. TTY users should call 1-877-486-2048.
Make sure you understand how a plan works before you join. See pages 76–77 for more information about Medicare Advantage Plan types. If you want more information about a Medicare Advantage Plan, you can call any plan and
request a Summary of Benefits (SB) document. Contact your State Health Insurance Assistance Program (SHIP) for help comparing plans. See pages 137–140 for the phone number.
Important Facts
■As with Original Medicare, you still have Medicare rights and protections, including the right to appeal. See pages 107–109. ■You can check with the plan before you get a service to find out if
it’s covered and what your costs may be.
■You must follow plan rules, like getting a referral to see a specialist to avoid higher costs if your plan requires it. The specialist you’re referred to must also be in the plan’s network. Check with the plan. ■If you go to a doctor, other health care provider, facility, or supplier that doesn’t belong to the plan, your services may not be covered, or your costs could be higher. In most cases, this applies to Medicare Advantage HMOs and PPOs.
■If you join a clinical research study, some costs may be covered by your plan. Call your plan for more information.
■Medicare Advantage Plans can’t charge more than Original Medicare for certain services, like chemotherapy, dialysis, and skilled nursing facility care.
■Medicare Advantage Plans have a yearly cap on how much you pay for Part A and Part B services during the year. This yearly
maximum out-of-pocket amount can be different between Medicare Advantage Plans. You should consider this when you choose a plan.
Joining and Leaving
■You can join a Medicare Advantage Plan even if you have a
pre-existing condition, except for End-Stage Renal Disease (ESRD). See page 74.
■You can only join or leave a plan at certain times during the year. See pages 78–79.
■Each year, Medicare Advantage Plans can choose to leave Medicare or make changes to the services they cover and what you pay. If the plan decides to stop participating in Medicare, you will have to join another Medicare health plan or return to Original Medicare. See pages 106–107. Blue words in the text are defined on pages 141–144.
Prescription Drug Coverage
■You usually get prescription drug coverage (Part D) through the plan. In some types of plans that don’t offer drug coverage, you can join a Medicare Prescription Drug Plan. If you’re in a Medicare Advantage Plan that includes prescription drug coverage and you join a Medicare Prescription Drug Plan, you will be disenrolled from your Medicare Advantage Plan and returned to Original Medicare. You can’t have prescription drug coverage through both a Medicare Advantage Plan and a Medicare Prescription Drug Plan.