Medicare Advantage plans are usually zero premium or $30 to $40 monthly depending which plan you sign up with. You still have to pay your Medicare Part B premium even though you won't be covered by Medicare Parts A & B during the time you are on Medicare Advantage which is Medicare Part C.
Medicare Advantage plans are similar to traditional major medical plans in that they have copay's and deductibles.
But the difference stops there.
Most Advantage plans have networks. Some networks are local while others are regional. Some Advantage plans only include coverage if you are treated by a network provider while others will include out of network coverage but with a higher (and usually separate) deductible, higher copay's and higher out of pocket.
Exceptions are made to the out of network penalty for true medical emergencies.
Make sure you understand all details of the policy, especially your out of pocket maximum. The out of pocket limit does not include non-network benefits or Rx. It also does not include any non-covered medical treatment.
In most areas less than half the doctors accept ANY Medicare Advantage plans. Even if your doctor does accept Advantage patients they may not participate in your particular plan.
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But the difference stops there.
Most Advantage plans have networks. Some networks are local while others are regional. Some Advantage plans only include coverage if you are treated by a network provider while others will include out of network coverage but with a higher (and usually separate) deductible, higher copay's and higher out of pocket.
Exceptions are made to the out of network penalty for true medical emergencies.
Make sure you understand all details of the policy, especially your out of pocket maximum. The out of pocket limit does not include non-network benefits or Rx. It also does not include any non-covered medical treatment.
In most areas less than half the doctors accept ANY Medicare Advantage plans. Even if your doctor does accept Advantage patients they may not participate in your particular plan.