A Medicare Advantage plan is like a one-stop shop. It combines all the services of Part A and Part B, and usually includes prescription drug coverage, which means there isn’t a need to get a separate Part D plan.
Medicare Advantage also offers additional benefits that can include coverage for dental, vision, hearing, and other wellness services.
Medicare Advantage plans offer primary care and preventive services, care coordination, case management, and other services to improve care quality, with a focus on those with long-term or chronic health conditions.
With Medicare Advantage, there’s a limit on out-of-pocket expenses for:
- Deductibles (the amount you pay for covered healthcare services before your insurance starts to pay).
- Coinsurance (the amount you pay for covered healthcare services after you’ve paid your deductible).
- Copays (a fixed amount, for example $20, you pay for a covered healthcare service after you’ve paid your deductible).
Original Medicare does not provide an out-of-pocket limit.
Many Medicare Advantage plans support members by offering telehealth services, addressing behavioral health needs, connecting them to community resources, and managing care needs for improved whole-health.