What Is Not Covered By Medicare Advantage Plans?
Think about buying a Medicare supplement plan, but you’re worried about what those plans do and do not do. Read on to find out what benefits Medicare advantage plans may have and what benefits are generally not covered. What does Medicare advantage plans cover?
The Medicare Supplement Insurance (Medigap) is used to pay part of the costs of Part A and B of Original Medicare, such as co-pays, co insurance and deductible. In all states, except three, there are up to ten standardized Medicare advantage plans (Massachusetts, Minnesota and Wisconsin have their own standardized policies). Their names with letters (such as the Medicare M advantage plan) aid in distinguishing one policy from the next. Each standardized policy may insure a different part of some Medicare expenses.
For instance, advantage plan A and D of Medicare generally cover both co insurance and co payments in Medicare Part B, but Plan A does not cover the Medicare Part A deductible. Keep in mind that the Medicare Advantage Plan A and Plan D are not identical to Medicare Part A and D. It is important to understand what Medicare costs each Medicare supplement plan can afford and what expenses a plan may or may not cover. Here is a detailed list of the benefits of each standard Medicare advantage plan.
What benefits are not usually covered in Medicare advantage plans?
Supplementary Medicare plans are sold by private insurance companies. Although the standard benefits of a written plan are the same no matter where you buy them, premiums between plans may vary. As mentioned above, Medicare supplements mainly cover the costs of Medicare Parts A and B, such as deductibles and co payments. The standard benefits in most Medigap Plans sold today are not related to items and services like the ones listed below. However, keep in mind that some advantage Medicare plans may offer additional benefits that may be part of this list.
- Prescription drug coverage
- Routine vision services
- Routine dental services.
- Nursing services for individuals.
- Long term care (in most cases, for instance, care in nursing homes)
How do I get a Medicare health care plan for benefits for which advantage Medicare plans do not apply? Generally speaking, Original Medicare does not cover the services listed above. However, you may have an alternative. Some Medicare Advantage plans include some extra benefits, for instance, the supply of prescription drugs and routine dental care. With 2019 Medicare Advantage plans, you can get the benefits of Parts A and B through the plan, not directly through Medicare. Hospice services will continue to be provided directly from Part A. Medicare Advantage plans are available at private insurance companies approved by Medicare. When you participate in a Medicare Advantage plan, you pay your Part B premium together with the premium that may be charged by the plan. Keep in mind that Medicare advantage plans and Medicare Advantage plans do not go hand-in-hand.