Medicare Advantage in Macon GA often referred to as an MA or part C plan, is a plan designed to supplement a person’s Medicare coverage. This type of plan is offered by a private insurer approved through Medicare and must cover anything covered by the original Medicare, other than hospice care. The original Medicare plan pays for hospice, regardless of what another type of coverage an individual may have. In addition, Medicare Advantage is required to cover urgently needed, and emergency care and the Advantage plan may also cover services not covered by the original plan.
Where an advantage plan differs from the original plan is that each provider determines the premium they charge. In addition, each company determines their own rules for coverage. For example, one plan may allow a patient to see any doctor they choose while another requires a referral before a specialist can be seen. The insurance carrier is also allowed to change these rules each year if they feel this is necessary.
What a person pays for a Medicare Advantage plan is determined by numerous factors. Some plans charge a monthly premium, and some now pay part of the person’s Medicare Part B premium. The plan may have a yearly deductible or charge a deductible using another method, and the person needs to know how much they will be expected to pay for a service or visit. This is referred to as coinsurance or a copayment. Furthermore, the plan may charge more depending on the services needed and how often they are used. When a person has Medicaid, this will affect how much they pay for this plan also.
Stone Insurance Agency Inc in Macon GA and learn more about Medicare Advantage. The more information a person has, the easier it becomes to choose the right Advantage plan. Health care costs continue to rise, and every patient need to ensure they have the proper coverage. The agents here work with a client to determine their needs, so they don’t find themselves saddled with outrageous medical bills. Contact the agency today to set up an appointment to ensure you have protection when you need it most.