Medicare Advantage Plans for 2019 and their coverage

Medicare Advantage Plans include Part A benefits and this is the best advantage. It includes skilled nursing care, hospital stays and home health care. They also offer the Part B cover in Medicare Advantage plans and this is more beneficial as it includes outpatient care, doctor visits and preventive services. The benefits include routine vision care and also the routine hearing tests, wellness services, fitness program or even a nurse helpline. It is a good choice to have Medicare Advantage plan if you need coverage more than the services offered by Traditional Medicare and are not interested in the coverage for prescription drug.

 

With Medicare Advantage plans covering the prescription drug, you get the coverage for Part A and B and also the Part D covering the prescription drug in one plan that is MAPD representing the plan for Medicare Advantage Prescription Drug. In fact, this plan of MAPD may be an excellent choice if you enjoy the MA plan benefits, but equally require the coverage for prescription drug. Find rates for Medicare Advantage 2019 at https://www.medicareadvantage2019.org/

 

Medicare AARP plans and Medicare Advantage plans are also offered as combinations to enjoy the features and benefits to fit various budgets and healthcare needs. Here are Medicare Advantage plans available in four types and they are as below:

 

HMO Plans:   Health- Maintenance- Organization

  • The providers you can see: Generally, you must avail the services from local provider’s network, except for renal dialysis services, critical visits and emergency room.
  • Is referral required to see a specialist? This is based on the plan.
  • The costs out-of-pocket: This will be lesser that POS and PPO plans.

 

POS Plans   Point-of-Service

 

PPO Plans   Preferred Provider Organization

  • The providers you can see: Here you are permitted for all covered services even outside the plan’s network. Of course, the cost is more.
  • Is referral required to see a specialist? No.
  • The costs from the pocket: This is higher than the first two plans, HMO and POS.

 

PFFS Plans   Private Fee-for-Service

  • The providers you can see: The PFFS non-network plans are offered only by United Healthcare. This means you get liberty to choose your choice of hospital or doctor Medicare-eligible agreeing to accept the terms and payment conditions.
  • Is referral required to see a specialist? No.
  • The costs from the pocket: The monthly premiums are lower than all other non-network plans, such as the Medicare Supplement plans.