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Medicare Advantage plans can help lower your client’s premiums and protect them from uncapped costs. This market is continuing to gain interest. A third of Medicare users had Medicare Advantage plans in recent years.
5 Medicare Advantage Facts
Most Medicare Advantage Plans offer extra coverage like vision, hearing, dental, and even wellness programs. They also usually include prescription drug coverage.
Medicare Advantage enrollees are required to pay the Part B premium as well as any premium charged by the plan.
The premium amount for the plan is determined by the difference between the plan’s costs of providing Part A and B and any supplemental benefits offered as well as the federal payment to the plan for Part A and B.
A percentage difference is determined by the plan bid and the maximum federal payment. That percentage difference must be used to offer extra benefits and to reduce the Part B premium.
The plan can choose not to cover costs of procedures or services not deemed medically necessary by Medicare regulations.
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