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THE MOST COMMON SURPRISE'S WITH MEDICARE ADVANTAGE PLANS
Surprise costs in Medicare Advantage plans generally arise because of how these plans are structured. Unlike Original Medicare, which is a fee-for-service program managed by the federal government, Medicare Advantage plans are managed care policies sold by private insurance companies.


Medicare Advantage Plans
MA and MA/PD (Medicare Advantage Plans) were created as alternatives to Original Medicare and Medicare Supplement/Medigap insurance. By joining one of these plans, you direct Medicare to pay the Advantage Plan a set monthly amount for your care. In return, the plan will deliver all of your Part A & Part B benefits and services.


Medicare Advantage HMO Plans
Medicare HMOs are common because of the lower premiums they often offer. In some plans, that premium may be as low as $0. However, you must remain enrolled in and pay for Medicare Part B. You usually must also use in-network providers, except in an emergency.
MEDICARE ADVANTAGE HMO PLANS = MEDICARE HEALTH MAINTENANCE ORGANIZATION PLANS
In HMO Plans, you generally must get your care and services from providers in the plan's network, except:
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