Medicare Advantage Plans in Southeastern CT

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What are they?

A Medicare Advantage Plan (MA) covers everything MediCare does plus additional benefits. Some general points about MA plans: 

     They are purchased from a private company which has a yearly contract with MediCare.


     Most MA plans include coverage for medications and are then called a MAPD. 


     The company is paid a fixed monthly payment for each person who enrolls and manages all their medical treatment and medications. 


     Providers bill the company for all of a person's treatments. 


     Plans charge a monthly cost (usually ) which varies based on the amount of the individual's cost sharing.  


     The plans available to a person are based on the County they live 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?

    They cover, in addition to everything in basic MediCare, annual physicals and usually offer or provide options to buy benefits such as fitness, dental, vision, and hearing not in MediCare.

 

    All treatment is received from providers in the companies network and a co-pay is usually paid at each MD visit.

 

    Some services have cost sharing or a daily fee. 

 

    A person's annual cost for co-pays and cost sharing is limited by a Maximum Out of Pocket (MOP) provision. 

 

    MediCare sets the MOP limit each year. ($6,700 in 2019 ) Plans with a higher monthly cost may have a lower MOP.  

Some general points on MA plans.

     When plans coordinate all of an individuals medical treatment and medications it's a higher quality care and may mean better outcomes. 


    A person can normally only change their coverage during the 10/15 to 12/7 Annual Election Period to be effective the next Jan. 1st.

     Note: The times when a person can apply for or change their MAPD plan are limited by federal regulations.


    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 to simplify the Medicare Advantage Plans in Southeastern Connecticut. 


    Discussion (no cost to you ) will be on how they work, protect income & savings, and provide peace of mind


    If a qualified enrollment period is available we can select a MAPD plans which fits your situation and budget best. 


    All implementation details will be taken care of.


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