Medicare Advantage Plans - Medicare Part C - Medicare Health Plans

Medicare Advantage Plans are health plan options that are part of the Medicare program, Medicare Advantage can also be referred to as Medicare Part C. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include:

• Medicare Health Maintenance Organization (HMOs)
• Preferred Provider Organizations (PPO)
• Private Fee-for-Service Plans
• Medicare Special Needs Plans

When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care. In most of these plans, generally there are extra benefits and lower copayments than in the Original Medicare Plan. However, you may have to see doctors that belong to the plan or go to certain hospitals to get services.

To join a Medicare Advantage Plan, you must have Medicare Part A and Part B. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you might have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer.

Understand the differences between your Medicare Advantage coverage and a Medigap Insurance Plan is very important. With a Medicare Advantage Plan there are a lot more rules and regulations you must follow compared to having a Medigap Insurance Plan, such as having to use specific doctors or hospitals on some plans, understanding that if you move away from the county you live in to another county that your current plan is not offered in will me that you will automatically loose that coverage, also knowing that you are locked into a Medicare Advantage Plan for a years time if you do not decide with in a few months of accepting that coverage to change or drop it.

With the different choices and options that are available to you as a Medicare Beneficiary when it come to covering the gaps left by just having Medicare alone, it is strongly suggested that you have a licensed, independent insurance agent on your side. Here at Texas Healthcare Specialists, Inc. we can be that agent that you can have a long lasting relationship with to help you understand and find the best Medicare insurance options available for you. Give us a call today, or please fill out our safe and secure, no-obligation Medicare Supplement Quote Form to have an agent contact you and help in making sure that you are covered in the right way.