Medicare Advantage Plans in Southeastern CT

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What are they?

A Medicare Advantage Plan (MA) covers all Medicare A & B treatment & procedures plus other benefits. A person goes to the plan's network of providers to receive treatment. These plans are part of what Medicare calls Part C.


The other benefits in a MA plan include annual physicals and options for or to buy coverage such as for dental, vision, hearing, and fitness.


When a MA plan includes medications, as most do, they are called a MAPD plan.


A look at MA plans:

 The benefits to be included in a MA plan are developed by private companies, submitted to MediCare, and when approved the company receives a yearly contract. 


 Companies determine the States and Counties where they want to offer their plans. Individuals can select from the plans in their County.  


 When a plan is purchased MediCare pays the company a fixed monthly payment for each person.


 Plans (usually ) have a monthly cost the amount of which varies primarily based on the co-pays and cost sharing plus the included benefits.


 MDs and other providers in the companies network bill the company for all of a person's treatments not the MediCare system. 


 When a person enrolls all medical treatment and medications are coordinated which results in higher quality care and often better outcomes.

Many people like MA plans because of annual physicals and extra benefits. Then too, having a lower monthly cost (often ) than a MediGap plan plus a stand alone Part D plan is a big plus.

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

Ok! You are enrolled in a MAPD plan - what are your costs?

    Receive all your treatment from providers in the companies network. 


    Pay a co-pay at each MD visit and often cost sharing for other services. 


    Pay a per day fee for the first few days if in a hospital.

 

    Your annual co-pays, cost sharing, and other medical treatment costs are limited by the plan's Maximum Out of Pocket (MOP) provision. 

    Note:  The MOP amount a plan may have is set each year by MediCare. ($6,700 in 2020)  A plan with a higher monthly cost may have a lower MOP.

 

Are limited [normally] to only changing to another plan or to another company during the 10/15 to 12/7 Annual Election Period. 

    Note: MAPD Plan enroll or change times are limited by federal regulations. 

When can a change in MA plans be made?

Normally changes to another plan or to another company are limited to the 10/15 to 12/7 Annual Election Period. 


Federal regulations limit the times to  enroll in or change a MAPD plan. 

Learn more about Medicare Advantage Plans!

Call or Text John C Parker's Google Voice # (860) 451-9793 today: 


If a qualified enrollment period is available discussion will be on:

      -> your situation & interest 

      -> simplifying how Medicare Advantage Plans in New London County Connecticut work. 

     -> selecting a MAPD to provide peace of mind. 

     -> taking care of all implementation details.