Medicare Part C is referred to as Medicare
Advantage plans. Part C plans combine Parts
A and B coverage, but are offered by private insurance companies.
In many cases, Part C plans are more affordable than original
Medicare plans and have better coverage. Put away your Medicare
card if you have Advantage - you only need one card to give
to your Doctor. Experts say the care coordination is often
better with an Advantage plan and the prices are often much
Part C plans include:
· Medicare Preferred Provider Plans
· Medicare Health Maintenance Organization
· Private Pay
· Special Needs
· Medicare Savings Accounts
Medicare Part D
prescription drug coverage Part D is an
important part of any health plan because of the rising
cost and increased use of prescription medication. Part
D coverage provides prescription drug benefits by private
insurance companies approved by Medicare. Many people who
are on Medicare Advantage (Part C) plans probably already
have Part D coverage. For those who do not have Part C coverage,
you typically have to pay a separate premium.
Some Advantage Plans also include coverage
for Part D.
For additional information on a specific
term related to Medicare visit our Glossary
of Medicare Terms page, which explains
terms used in the Medicare program.
Shop Around to Find the Medicare Plan for
Your needs are unique and to find a health
care plan that is best for you, you need to compare the
benefits and costs. Experts advise that you really need
to begin with a needs assessment. What is important to you.
Obtain a complete description of benefits of each plan and
see how they match up with your needs. Key things to consider
are monthly plan premium, annual maximum out-of-pocket,
annual deductible for medial services, prescription drugs
co pays, inpatient hospital coverage, skilled nursing facility
coverage, primary care physician and specialist visits,
emergency care, preventive services, dental and visions
services and fitness benefit.
As you approach age 65 there you will be
invited to group meetings that can be a good source of information
about various plans. AARP, senior centers, insurance brokers
and other groups also have resources available. Some of
the top insurance companies offering Medicare Supplement
or Advantage plans are Unitedhealth
Care, Wellpoint, Kaiser Foundation, Humana, Aetna, HCSC
Group, Blue Cross/ Blue Shield, Coventry Heath Care, Highmark
Group and Cigna Heatlh Group.
Basics and Medicare
Make Clear by UnitedHealthcare