Primary Guide to Medicare Health Plans (Part C)

Primary Guide to Medicare Health Plans (Part C)

The additional insurance and benefits of Medicare Part A & B are categorized under Medicare Health Plans (Part C). Medicare Part D or prescribed drugs are included in most of these Plans. If you decide to sign up for any of the Advantage Plans offered by private companies, you can do so if you already have regular Medicare insurance. You will not need all of these insurance and Medigap insurance if you sign up for Plan C.

The distinction between the original Plans of Medicare and Medicare Advantage

Although everything Medicare normally covers is insured by a Medicare Advantage Plan, there are some differences between them. Most of the time, the difference is in the value you pay for your medical care. Some of these differences include:

  • insurance or payment of another percentage of medical expenses
  • deductible
  • Co-payment
  • in the network vs. off the grid
  • Network of available providers

In addition, emergency medicine and emergency care are included in the Medicare Advantage Plans (Part C). In some situations, dental routine, wellness programs and/or routine vision may also be insured by some Plans. Most of them are insured by Part D. However, Part C insurance does not insure hospital care, even as part of a public health Plan, as they are still insured by Medicare.

The different types of Medicare Advantage Part C Plans

To determine what type of Part C Plan will facilitate your needs, you will need to consider the different types of Plans currently available. There are several Plans, including:

MSA – Medical economic Plan

HMO – Health care organization Plan

POS – Point of service Plan

SNP – Special Requirements Plans

PFFS – Pricing Plan for Private Service

PPO – Preferred provider organization Plan

Information on these six types of Plans is available online, simply type the acronym or full words in the Google search.

Choose your Plan carefully. Outside of the date you were authorized to participate for the first time and in other private situations that qualify for a certain period, you can only change the Plans once a year during the annual election period. The annual mandate is from October 15 to December 7 of each year.

There is also a Medicare Advantage exclusion period, which runs from January 1 to February 14. Meanwhile, people enrolled in a Medicare Advantage Plan can cancel their Plan and recover the original Medicare insurance.

It should also be noted that Medicare Advantage Plans vary by place of residence so find one here, with or without insurance of prescribed medications.

Registration of Part C

Finally, the procedure for registering Medicare Advantage Plans (Part C) varies depending on the insurance company chosen. The access times are, however, identical. Enrollment is allowed when you qualify for Medicare, but a 7-month waiting period begins 90 days before you turn 65 and continues 120 days later. If you are under 65 and receive Social Security Disability Insurance (SSDI), you will not be eligible if you have not received an SSDI for up to 2 years and 1 month.