When am I eligible for Medicare Advantage Plans Switch?
You may need to change allegiance from your current Medicare
Advantage Plan to a plan of your choice. This is possible and can be done
without signing out of the original Medicare Advantage Plan you had Initially
taken. The period you can do this is During the Fall Open Enrollment.
The Fall open Enrollment period runs from October 15th to
December 7th the same year. However, you can also sign up for the first time
during this period. After successfully signing up during this period, the
coverage you take commences on the first of January the following year.
However, not all the Plans have this period open for registration. For
instance, the Medical Savings Account Plan does not have this enrollment period.
How do Medical Advantage Plans work?
It is vital to understand that in a huge proportion, Medical
Advantage Plans work the same way as any other Medicare since they are approved
by it. Yet again, it is important to understand that with the Medical Advantage
Plan, you to get both parts A and B but not the initial Medicare.
What Services are covered under Medicare Advantage Plans?
Medical Advantage Plans can cover most services under the
Original Medicare cover. The only isolated cover here is hospice care, which is
covered in the initial Medical Covers. Despite the fact that there are
different Medicare Advantage Plans, all those operating do cover for emergency
and any urgently needed medical services.
In some instances, Medical Advantage Plans might offer
subsidiary coverage like vision and dental services. It is, however, important
that you get in touch with your provider and confirm which expenses are catered
for and which are not covered.
Why are Advantage Medicare Plans Special?
From a short historical perspective, private health
insurance plans were introduced in 1997. They were however not efficient since
they did not include the important issuance of prescribed drugs. After a later
enhancement, the plan was improved to include the prescription of drugs under
the Umbrella of Medicare Advantage Plans that now stand from the rest.
Medicare Advantage plans are also special in a way because
they have enhanced preventive and wellness care. On the other hand, these plans
have been able to significantly reduce money paid by patients when compared to
the traditional Medicare.
What if I have End-Stage Renal Disease (ERSD)?
If you are suffering the End-Stage Renal Disease (ESRD), you
can only join Medicare Advantage Plans in specific plans that have provision
for Special Needs Plan. The Special Needs plan, however, must be that which
specifically welcomes people with ESRD. This may not be a surety since most of
the Plans do not admit people with ESRD.
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