Medicare Advantage Part C

• You must have Medicare Part A and Part B.
• Offered by private insurance companies
• Combines hospital costs and doctor and outpatient care all in one plan
• Plans have low premiums, sometimes as low as $0
• Plans in our area generally include prescription drug coverage
• Plans charge co-pays and coinsurance when you use their services which can change from year to year
• Each plan has a yearly maximum out-of-pocket limit. This limits how much you will pay as long as you use in-network services. These maximum out-of-pocket limits can be as high as $6,700 which is more than some people can afford. You are able to buy additional insurance to help you cover some of these costs. Call Nancy at 216-287-8832 for more  details
• The insurance company generally require you to use it's network of doctors and facilities and to get referral to see specialists.
• Getting routine care when you are out of the service area varies greatly from plan to plan and may not be available at all
• Can include additional benefits such as gym memberships, hearing, vision and dental coverage
• Medicare Advantage plans are required to cover (at least) all services that Original Medicare covers with the exception of hospice care
• Cannot be combined with a Medicare supplement insurance plan
• Admission vs observation – If you are in the hospital but the hospital has you listed as under observation (not as admitted) it affects what co-pays apply to your situation. It does make a difference

How do Medical Advantage plans work
https://www.medicare.gov/sign-up-change-plans/medicare-health-plans/medicare-advantage-plans/how-medicare-advantage-plans-work.html

Things you need to know about medicare advantages
https://www.medicare.gov/sign-up-change-plans/medicare-health-plans/medicare-advantage-plans/how-to-join-a-medicare-advantage-plan.html