Medicare Advantage Plans
A+B+D=C?

Yes, A+B+D=C.  Medicare Advantage Plans typically combine Medicare Parts A, B & D into a single plan. These plans are offered through private insurance companies that have been approved by Medicare and follow Medicare guidelines.  Some of these plans include preventive services and a variety of discount programs not offered by traditional Medicare or Medicare Supplements.

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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