Benefits of Switching to Medicare Advantage Plans

​Through Medicare Advantage, also called Medicare Part C, those with Medicare Part A and Part B are able to have an alternative way of receiving their Medicare benefits. Private insurance companies have Medicare Advantage plans as part of their insurance products. Medicare Advantage provides almost the same level of coverage as Medicare Parts A and B. However, you may be wondering whether it is good to sign up for Medicare Advantage or to stick to Original Medicare. Here are the benefits of choosing Medicare Advantage plans.

More Benefits
Medicare Advantage plans offer more benefits. While Medicare Part A and Part B already have many benefits, Medicare Advantage plans provide routine vision care and coverage for hearing aids. It also offers routine dental care as well as coverage for prescription drugs. Moreover, you can enjoy a fitness center membership with Medicare Advantage. Thus, unless you badly want that fitness center membership or those hearing aids, then you may opt for Original Medicare.

Less Cost
In case you decide to get a Medicare Advantage plan, then you continue to pay the premium for your Medicare Part A or B. However, you may pay as low as $0 for your Medicare Advantage plan in some cases. This is because the insurer determines the premium for your Medicare Advantage plan from your Original Medicare plan. In most cases, the cost-sharing may be less if you opt for Medicare Advantage in addition to your original Medicare plan. With your Medicare Advantage plan, you may also pay lower copayments than when you only have your Medicare Part A or B.

Networks of Health Care Providers
Your Medicare Advantage plans can connect you with networks of health care providers. Thus, you may choose not only a contracted health care provider but also your primary care physician. Moreover, Medicare Advantage plans that cover prescription drugs may also include coverage for medication therapy management. This is an example of care coordination.
One Plan Administrator
Medicare Advantage plans usually are a combination of the medical benefits and the coverage for prescription drugs. However, the most important thing is that you have one plan administrator that you can work with at your convenience. He can listen to all your concerns and can tailor your Medicare plans according to the changes that you want if there are any.

Some Final Words
It may not be easy to get the Medicare Advantage plan if you’re already paying a lot for your Original Medicare premiums. Nonetheless, it would be too hard to miss on those added benefits. Thus, you need to consult with your doctor or a trusted family member who can help you make a more informed choice on the matter. After all, your priority is your health.

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