Medicare Advantage Plans is basically different health insurance plans sold by private Medicare Part A and Part B (Part D is not available in the states of California and Florida). They are usually cheaper than regular Medicare (though they may not be cheap enough for the typical retiree), though they do not offer all the benefits (like the patient’s prescription drugs) that Medicare Part A does. Also, most Medicare Advantage Plans does not cover dental care. The primary difference between Private Health Insurance and Medicare Advantage Plans is that Private Health Insurance does not pay for dental care. But if you don’t have a lot of money to spend on your teeth (which is probably true for most people), you might be better off with a Private Health Insurance Plan instead of Medicare Advantage Plans. Private Health Insurance will usually cover pre-existing dental problems, and it has a low premium that will make your premiums affordable. In addition, Private Health Insurance is designed to meet the needs of an entire family.
Though Private Health Insurance can be expensive, it is often worth it because it covers everything in the plan and can often give you coverage beyond what Medicare Part A and Medicare Part B can. The coverage may also provide some other important benefits such as vision coverage, checkups, emergency room visits, and, if you choose it, doctor visits without charging you a co-payment. However, private health insurance does not cover a lot of the extra benefits that Medicare Part A and Medicare Part B do, including eyeglasses and certain types of hearing aids. Your dentist may not be covered by your private health insurance either. You can make sure that you get all the important benefits from Private Health Insurance and not just the benefits that Medicare Part A and Medicare Part B provide. Here are some things to consider:
* The Plans in Which Private Health Insurance isAvailable. The plans that are most likely to be part of a Medicare Advantage Plan are usually those that cover the basic benefits of Part A (as well as some of Part B).
* The Plan Features. If you want more than the basic benefits, you may want to look at a plan that covers dental, vision, and some other optional services (like outpatient hospital care).
* Fee For Service. This is another benefit that is sometimes offered by Private Health Insurance Plans. Fee For Service allows your health care provider to bill you a set rate per treatment, regardless of how many treatments you get.
* Traditional Fee For Service. Like fee for service, this fee does not have a set rate, but it is based on how many visits you actually get in a year.
* Private Spending Limits. If you spend more than a set amount each month, your Part A plan will charge you a set fee.
* Alternative Benefit Plans. Some Medicare Advantage Plans allows you to get additional benefits (like doctor and dentist visits), but you must pay an additional premium for these benefits.
The most important thing to remember is that you can have dental coverage even if you have Medicare Part A and Medicare Part B. (And, for the sake of argument, let’s say that you don’t have Part C…Unless you prefer to have coverage that doesn’t go away when you get old.
Sign up for Medicare advantage by visiting https://www.2021medicareadvantage.org/aetna-medicare-advantage-plans/