Important Things You Need To Know About Medicare Advantage Plans

Medicare Advantage Plans are a kind of Medicare health plan that is provided by a private company that has a contract with Medicare to offer you benefits of Part A and Part B. A range of Medicare Advantage Plans also provide prescription drug coverage. Medicare Advantage Oregon covers most of the Medicare services through their plan. Here’s a look at the crucial things you need to know about these plans:

• You still possess Medicare protections and rights.
• You still remain in Medicare program.
• You still receive whole Part A and Part B coverage via the plan. Certain plans also offer added benefits like vision, dental and hearing care.
• Even if you have a pre-existing condition except for ESRD (End Stage Renal Disease), you can still join a Medicare Advantage Plan.
• Your out-of-pocket costs can be lower in a Medicare Advantage Plan.
• You can easily check with the plan before you receive a service to figure out if it is covered and what your costs can be.
• Visit a doctor, other healthcare provider, supplier or facility that belongs to the network of the plan. This will ensure that your services are covered and the costs incurred are less. 
• Medicare Advantage Plans cannot charge more than Original Medicare for particular services like dialysis, chemotherapy or skilled nursing facility care. 
• Providers can easily leave or join the network of a plan’s provider anytime during the year. Your chosen plan can also change their providers in the network anytime throughout the year. In case this happens, you may have to go for a new provider.
• Medicare Advantage Plans possess a yearly limit on your out-of-pocket expenses for medical services. Once you attain this limit, you won’t have to pay anything for covered services. Each plan can possess a distinct limit and the limit can alter every year. Consider this while you are selecting a plan.
• In case you join a clinical research study, certain costs can be covered by your plan. Get the contact information of your plan and receive more information regarding this.
• In case your plan chooses to stop its participation in Medicare, you will have to join some other Medicare Health Plan or go back to Original Medicare.