Medicare Advantage in Dallas
MEDICARE ADVANTAGE INSURANCE
If this is your first time or you have heard about Medicare Advantage in Dallas, you have come to the right place. Medicare is a federal health insurance program that provides health care benefits for people who are 65 and older. It also pays for health care for people who are eligible because of a disability or qualifying health condition. Medicare Advantage plans are generally required to cover the same services that Original Medicare covers. Some may also cover prescription drugs and dental or vision care. Medicare Advantage plans may give you some discounts or pay for services that Original Medicare may not cover. A Medicare Advantage Plan is offered by private health insurance companies that are approved by Medicare and have a contract to provide you with Medicare benefits.
Medicare Part A (hospital coverage): A Medicare Part A (hospital coverage) pays for inpatient hospital services, skilled nursing facility care after a hospital stay, home health care, hospice care, all but the first three pints of blood each calendar year.
Medicare Part B (medical coverage): A Medicare Part B (medical coverage)pays for Medical expenses, clinical laboratory services and tests outpatient hospital treatment, Medical equipment and supplies, preventive health services, including exams, lab tests, health screenings, and shots.
Medicare Part C (Medicare Advantage): A Medicare Part C (Medicare Advantage) provides the same benefits as original Medicare parts A and B and is another way to get your Medicare coverage.
Medicare Part D (prescription drug coverage): A Medicare Part D (prescription drug coverage) pays for generic and brand-name prescription drugs. You can get prescription drug coverage either by joining a stand-alone prescription drug plan or by buying a Medicare Advantage plan that includes drug coverage. If you have group health coverage that provides prescription coverage ask your plan whether you need Medicare Part D. Only private insurance companies approved by Medicare may offer Part D coverage.
People get Medicare parts A and B benefits through either original Medicare or Medicare Advantage plans. Original Medicare is sometimes called traditional Medicare or Medicare fee-for-service. You may go to any doctors or hospitals in Dallas you want, as long as they accept Medicare patients. Medicare Advantage in Dallas is an alternative to original Medicare. It’s sometimes called Medicare Part C. If you join a Medicare Advantage in Dallas plan, the plan will provide your Medicare parts A and B benefits. If you are in a Medicare Advantage in Dallas plan, you are no longer in original Medicare but still have the same rights and protections as people with original Medicare.
Understand your plan
Medicare Advantage in Dallas plans must give you a member handbook when you enroll. Read your member handbook or evidence of coverage to know what and how services are covered and what out-of-pocket costs you will have to pay. Make sure you understand how the HMO or PPO handles regular appointments and visits to specialists. PFFS plans cover care anywhere in the United States as long as the doctor or hospital is willing to accept your plan’s payment terms. Keep the plan’s telephone numbers handy to call if you have questions.
As long as you are enrolled in a Medicare advantage in Dallas Plan, you do not need to buy a Medicare Supplement Insurance policy (Medigap). The benefits offered by a Medigap policy are covered by your advantage plan and the supplement does not pay for your plan’s deductibles, copayments, or coinsurance.
Medicare Advantage Options in Dallas
The Medicare Advantage options available in Dallas include:
• Managed healthcare plans, such as health maintenance organizations (HMOs)
• Preferred provider organizations (PPOs)
• Private fee-for-service (PFFS) plans
• Medicare special needs plans (SNPs).
• Medicare Part D (prescription drug coverage)
Not all of these options are available in every county.
A Texas resident may have different Medicare plan offerings than a resident of another state; similarly, a resident of Houston in Harris County may have different Medicare plan offerings than a resident of San Antonio. It is important for Medicare beneficiaries to not only customize their search for Medicare plans based on their individual health and prescription needs, but also the county and state in which they reside.
For a personalized review of Medicare Advantage Insurance in Dallas, call or write –
Lou at www.louzettler.com.
I also suggest your continue your education, by visiting a few real good web sites, like these.