Medicare Advantage Plan cover the same benefits as Original Medicare, and often more. These plans have a contract with Medicare and additional benefits may include routine hearing and vision care.
What can you get?
These health plans cover all the benefits of Medicare Part A, including hospital stays, skilled nursing care and home health care, but not hospice care (which is still covered by your Part A benefit). These plans also cover all the benefits of Medicare Part B, including doctor visits, outpatient care, screenings, shots and lab tests.
Many Medicare Advantage Plans also include Medicare Part D prescription drug coverage. Medicare Advantage plans work similarly to employer-sponsored health insurance plans that you may have had or currently have, which may help you continue a similar level of coverage to what you have now.
Most Medicare Advantage Plans in Oregon start at $0 premium.
You must have Medicare Part A and Part B to enroll on this type of Medicare plan. Most plans include urgent care and worldwide emergency coverage, an annual out-of-pocket maximum to help you budget for your health care costs, and most include prescription drug coverage. Most plans have no additional monthly premium beyond what you already pay for Medicare Part B.
There’s a lot of Medicare Advantage plans offered in Oregon, so make sure to contact us so we can help you compare Medicare plans available in your county, verify your doctor is covered and your prescriptions and any other medical equipment. We also assist you in finding a doctor, specialist or any provider that may need. We’re here to help and serve you!
Medicare Advantage Plan Types:
HMO Plans-Health Maintenance Organization
- Typically requires you to receive services from a network of local providers; except for emergency room, urgent care visits and renal dialysis services.
- Often require referrals to specialists, depending on the plan.
- Out-of-pocket costs are typically lower than PPO and POS plans.
- Similar to an HMO plan, but you can also see providers for certain services outside the provider network; generally, at a higher cost.
- Referrals to specialists may be required, depending on the plan.
- Out-of-pocket costs are typically higher than HMO plans, but lower than PPO plans.
PPO Plans-Preferred Provider Organization
- You can see providers for all covered services outside the provider network, generally at a higher cost.
- Don’t require referrals to specialists.
- Out-of-pocket costs are typically higher than HMO and POS plans.