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Pennsylvania Medicare Advantage Plans
A Medicare Advantage plan is not the same as a Medicare Supplement or Medigap policy.
Medicare Advantage plans, available from private insurance companies, are designed to replace the benefits provided under Medicare Part A (hospital) and Part B (medical). When you join a Medicare Advantage plan, they become your primary payer of hospital and doctor bills and other medical expenses. And although Medicare is not your primary insurance you must be enrolled in Medicare Part A and B in order to join a Medicare Advantage plan.
Medicare Advantage plans generally have lower monthly premium costs than Medicare Supplements - some actually have $0 premium cost. Many plans include Part D coverage for prescription drugs. In addition some Advantage plans include benefits for dental, vision and hearing and fitness club membership.
In exchange for lower premiums, Medicare Advantage plans require copayments at the time of service for doctor visits and additional copayments and service fees for blood tests, x-rays, MRIs, hospitalization, etc. Medicare Advantage plans can be established as an HMO, PPO or PFFS plan with a network of participating providers who have contracts with the insurance companies.
Insurance companies that offer Medicare Advantage plans usually have several plan design options, but they are not standardized like Medicare Supplements. MedigapShopper can help you compare the many different plans to determine which Pennsylvania Medicare Advantage plan best meets your needs for coverage and cost.
Medicare Advantage plan coverage and costs are guaranteed on a calendar year basis. The plans have strict enrollment guidelines and you can only enroll or disenroll during a qualified enrollment period. Contact MedigapShopper for assistance in determining your eligibility. You can reach us at 800-649-9604.