Medicare Part C
Part C is a commonly used term for Medicare Advantage.
Medicare Advantage plans take care of your Part A and B coverage as well as bringing added benefits you cannot get through Original Medicare.
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How do Medicare Part C plans work?
You have to be enrolled in Medicare Part A and B to be eligible to purchase a Medicare Advantage Plan.
When you receive healthcare services, you will present your Advantage Plan card as payment.
Part C plans normally come in two different types: HMO or PPO.
Most HMO plans require you to receive your healthcare in its network and choose a primary care physician. Out-of-network visits are only allowable in cases of emergency. If you want to visit a specialist, you’ll be required to receive a referral from your primary care physician.
PPO plans allow for out-of-network coverage but it will be more expensive for you. PPO plans do not require you to choose a primary care physician or require a referral for you to see a specialist.
Additional benefits with Part C
Part C takes over for your Part A and B coverage, but it also comes with additional benefits like:
- Adult day-care services
- Fitness memberships
- Nutrition programs
- Prescription drugs
- Over-the-counter drugs
- Services and supports for those with chronic conditions
- Transportation to doctor visits
- Wellness programs
However, benefits your plan offers will vary based on where you live. We can look into this for you. Just give us a call!
Out-of-pocket maximum for Medicare Advantage plans
An overlooked benefit of Part C plans is its out-of-pocket maximum limit. Original Medicare does not put a cap on how much you pay for your healthcare.
We can take a look at what plans available in your area offer for your out-of-pocket max. If you hit this limit, your Medicare Advantage plan pays 100% of any other eligible expenses you receive.
How to get a Part C plan
When you become eligible for Medicare, give us a call to help you find a plan in your area!