Medicare Advantage offers more coverage than the standard original Medicare. These added benefits may include routine dental, vision, and hearing care as well as fitness benefits. Due to these benefits, opting for Medicare Advantage seems to be a great idea. So, how does one get Medicare Advantage?
The first thing to know is that there are different Medicare Advantage plans to choose from. These various plans provide varying services and costs as well. It is vital to select the plan that would be fitting for your needs and capabilities. Here’s a list of the plans to choose from.
Health Maintenance Organization (HMO) Plan
An HMO plan has a network of contracted health care professionals and hospitals that would provide discounted services to members. However, the insurer typically requires the members to seek medical care within the network exclusively. The exceptions for out-of-network services include emergency and out-of-area urgent care.
Also, an HMO plan requires you to choose a primary care physician (PCP) who would generally handle your care. Moreover, an HMO plan is considered as the less expensive option among the other plans.
Preferred Provider Organization (PPO) Plan
Like the HMO plan, a PPO plan also has a network of contracted hospitals and healthcare professionals. One main advantage of a PPO plan is that it still provides benefits outside the plan’s network. However, out-of-network services are generally more costly.
Furthermore, a PPO plan does not require you to have a primary care doctor that handles most of your care. This plan gives more flexibility and freedom to you in terms of your healthcare providers. Due to the added flexibility and convenience, a PPO plan is generally more expensive.
Private Fee-for-Service (PFFS) Plan
In this plan, you are generally allowed to receive care from any provider who accepts the plan’s rules. Some PFFS plans also have a network of health care providers who will treat any patient under the plan. For outside-of-network services, ensure that the health care provider will accept the plan’s terms, or else you’re not covered.
Special Needs Plans (SNP)
An SNP is tailored for people who have particular unique needs. This plan limits the membership to people suffering from severe chronic conditions. Also, the members must receive care from the SNP network of providers except if an emergency or urgent care is needed. Medicare part D drug coverage is also included in this plan.
When making decisions about our health, we should always be cautious. Since our life depends on it, make sure to choose the best care you could achieve and afford. Make sure to learn more about health insurances to obtain great benefits and safety.
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