Medicare Advantage Grand Junction
Medicare Office In Grand Junction
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What is Medicare Advantage?
The Medicare Advantage plan (which is also known as Medicare Part C), is a plan provided through insurance companies to give you the basic coverage of
Medicare Part A and B, but with added benefits! The Medicare Advantage plan is often part of a PPO (Preferred Provider Organization) or HMO (Health Maintenance Organization).
It is possible that the additional benefits provided by Medicare Advantage may come at no additional cost to you. This means that it is typical for a Medicare Advantage plan can carry a low monthly premium.
It is important to note, however, that the benefit of these Medicare Advantage plans can differ from state to state, as well as from county to county within any given state. Given the fact that you are required to seek care within a certain network of providers under the plan, the area in which you live may affect whether the Medicare Advantage plan is the right fit for you. Our team can help you determine whether having a Medicare Advantage plan for your health insurance in Grand Junction, CO would be a benefit to you, based on your healthcare needs and the availability of providers in the area.
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Medicare Advantage Plan Specifics
You are required to already be enrolled in Medicare Part A and B before you are eligible to enroll in a Medicare Advantage plan.
The Medicare Advantage plan is an alternative to having a Medicare supplement (or Medigap) plan and Part D plan paired with your traditional Medicare Part A and B. Under a Medicare Advantage plan, you will still have your Part A and Part B coverage in place but will also be responsible for paying your Medicare Part B monthly premium.
There is very little underwriting required with a Medicare Advantage plan and therefore it is much easier to qualify for the Medicare Advantage plan when a health condition has prevented you from obtaining a Medicare Supplement plan outside of the open enrollment period.
When you choose a Medicare Advantage plan, your benefits no longer come directly from Medicare, but from your Medicare Advantage insurance company. This is important for you to remember when you are at the doctor, as you will need to present your specific Medicare Advantage plan information instead of your Medicare card in order to avoid disruptions with your claims.
Medicare Advantage Benefits
Typically, the Medicare Advantage plan will come with lower premiums than a Medicare Supplement plan.
The Medicare Advantage plan also provides additional benefits that a traditional Medicare Part A and B plan do not offer. These benefits can include dental, hearing, vision, fitness memberships, over the counter and prescription drug coverage, and nutrition programs, to name only a few. Again, it is important to remember that not all possible benefits will be available in your area, but our team can help you determine what benefits are available locally in order to give you the most accurate information in deciding if the Medicare Advantage plan is right for you.
You will have a specific copayment to make when you are at the doctor or the hospital under the Medicare Advantage plan that you choose. This means that your costs will be more predictable and should help you in preparing for medical events as they occur.
