Medicare Advantage Plans in Southeastern CT

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A look at what they are.

A Medicare Advantage Plan (MA) covers everything MediCare does, as a minimum, plus additional benefits. Some general points about these plans which are purchased from private companies: 

     Each company has a yearly contract with Medicare, is paid a fixed monthly payment for each person who enrolls, and administers all of a person's medical treatment. 


     They usually include coverage for medications and are then called a MAPD. 


     Companies (usually ) charge a monthly cost based on the amount of the individual's cost sharing and their annual maximum.  


     Which plans can be purchased is based on the County a person lives in.  Some MA companies have plans in CT but do not offer all options or any in New London County.

How does a MA or MAPD work?

    Plans cover annual physicals not in original MediCare and usually offer or provide options to buy benefits such as fitness, dental, vision, and hearing.

 

    All treatment is received from providers in the companies network.

 

    A co-pay is usually paid at each MD visit and some services have cost sharing. 

 

    A person's annual co-pay and cost sharing costs are limited with a Maximum Out of Pocket (MOP) provision.  Plans with a higher monthly cost may have a lower MOP.

 

    MediCare sets the MOP limit each year ($6,700 in 2019 ) and companies use it or a lower amount in their plans. 

Some general points.

     Individuals may receive higher quality care in a Medicare Advantage plan since all their medical treatment and medication coverage is coordinated for better outcomes. 


    A person can normally only change their MA coverage during the 10/15 to 12/7 Annual Election Period for the next Jan. 1st. Federal regulations establish the periods of time when a person can apply for a MAPD plan.


    They are of interest to many because of the extra benefits and the monthly cost is (often ) more economical than a MediGap plan plus a stand alone Part D plan.


    A recent study by the Better Medicare Alliance found "individuals in private MA plans had one-third fewer ER visits and 23% fewer stays in a hospital than those in traditional fee for service Medicare."

Call today to talk about Medicare Advantage Plans!

Call or Text John C Parker's Google Voice # (860) 451-9793 for an appointment. Discussion in a (no cost to you ) meeting will be on how a Medicare Advantage Plan in Southeastern Connecticut works, protects income & savings, and provides peace of mind


    If a qualified enrollment period is available we can discuss the MAPD plans in New London County and select one which fits your budget best. 


    All implementation details will be taken care of.


BTW - you can also send a note with questions to - Learn@JohnCParker.agency