Medicare Advantage Plans
A+B+D=C?

Yes, A+B+D=C.  Medicare Advantage Plans are private insurance companies way of having all the parts of Medicare in a single plan.  Although some Medicare Advantage Plans do not include Part D coverage, many do.  These plans have been approved by Medicare and follow Medicare guidelines, but many include preventative services or discount programs that traditional Medicare and Medicare Supplements do not cover, based on the carrier and plan. 

Plan options would include:  

• Medicare Preferred Provider Organization (PPO) Plans

• Medicare Health Maintenance Organization (HMO)

• Medicare Private Fee-For-Service (PFFS)

• Medicare Special Needs Plans (SNP)

• Medicare Medical Savings Account (MSA) Plans
   

Participants in Medicare Advantage Plans still have Medicare and continue to pay their Part B premium, but providers and carriers bill their claims to the insurance company administering their plan instead of Medicare.  Plans must cover what traditional Medicare covers, however members may need to use a network of doctors.  Coverage may be based on Prior Authorization or Pre-Certification specified by the plan. 

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