The original medicare is based on Part A and Part B which usually covers the health expenses but not at all. With the responsibility of the health expenses and services, the beneficiaries are also responsible for the number of deductibles and copayments that can easily add up. Part A and part B does not cover these kinds of benefits such as prescription drugs, overseas emergency health coverage, routine dental and vision etc. If you want all these medicare you need a huge amount for all these.
Usually the people of many states are enrolling in two types of medicare plans. If we we will get to know which one will be perfect for us. There are basically two choices usually used for replacing the original medicare or supplement. One way is to go for the medicare advantage plan which is actually an alternative way of the original medicare. The other option is use of medicare supplement insurance.
Medicare Advantage vs Medicare Supplement Insurance
Let’s start with the medicare supplement insurance. This is basically work with the original medicare plan which is part A and part B. It does not cover the all medical expenses. The medicare supplement insurance does not offer you stand alone coverage. You need to stay in part A and part B for your medical and hospital situations. What about if you need any prescriptions? You can’t get in medicare supplement insurance. For that you need to enroll in the medicare prescription drug plan which is highly costly.
It means when you enroll in the medicare supplement plan you still need to pay extra money for extra health services that are not included in part A and part B. So basically the medicare supplement insurance plan is simply for the certain hospital and medical issues and required deductibles and copayments. The medigap plays a very important role in Medicare part B excess charges and emergency coverage.
However the medicare advantage plans are the alternative way to access the original medicare. The best thing of the medicare advantage is if you are enrolled in it its mean you are also enrolled in the Medicare supplement insurance plan. So it means you can benefit from both plans. If you are just in the medicare supplement insurance plan then you need to pay extra charges for other medical services but it is not like that in it. You can get the other medical and hospital services at very low prices.
How to Enroll in the Medicare Advantage Plan
To get enrolled in the medicare advantage plan you must fall on the following criteria.
- Should have original medicare of part A and part B
- Should be resident of the area where medicare advantage plan services are available.
- Does not involve in the serious or last stage diseases
Medicare Advantage plans must offer the same level of access as the original medicare with the services of hospice which is actually included in part A. Some plans original medicare does not cover such as drug prescription, routine dental and vision, health wellness program, and so on. These are available in medicare advantage plans.