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What is Medicare Advantage?

Medicare Advantage Prescription Drug plan may combine Part A coverage, Part B coverage and Part D prescription drug coverage in one plan. These plans are offered by private companies approved by Medicare.

Medicare Advantage Plans differer based on the insurer and its plan offerings. Variable include out-of-pocket costs, required referrals to see specialists and provider networks.

Types of Medicare Advantage Plans include the following:

  • Health Maintenance Organization (HMO) Plans
  • Preferred Provider Organization (PPO) Plans
  • Private Fee-for-Service (PFFS) Plans
  • Special Needs Plans (SNP)
  • Medical Savings Account (MSA) Plans

Most Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

Medicare pays a fixed amount for your care each month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare.

Typically you get prescription drug coverage (Part D) through the plan. In some types of plans that don't offer drug coverage, you can join a Medicare Prescription Drug Plan.

Source: Medicare.gov

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