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Call (888) 310-0376 to Get Quotes on Top Rated Medicare Advantage Plans. Are Medicare Advantage plans without premiums too good to be true? And how can Advantage Plans include all those benefits and not have monthly premiums? This video will address those questions.
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Medicare Advantage Plans are offered by private insurance companies like United Healthcare, Humana, Blue Cross Blue Shield among others. These plans are contracted with The Centers for Medicare and Medicaid Services.
Insurance companies offering Medicare Advantage Plans all receive a fixed amount of money to pay for patient care, cover general overhead and earn a profit.
Although plans must adhere to certain guidelines such as providing all Medicare Part A and Part B benefits, they are able to:
Determine cost-sharing amounts (deductibles, copayments & coinsurance)
Include extra benefits (i.e. dental, vision, hearing Silver Sneakers Gym membership etc.)
Medicare Advantage Plans may also include Part D coverage, further adding to the cost-sharing variables.
The benefits included in a plan will have the biggest impact on monthly premiums. And with differing cost-sharing amounts, it's easy to shift costs to services and away from monthly premiums.
There are many moving parts to consider when determing the overall annual cost of a Medicare Advantage Plan.
A Medicare Advantage Plan without a premium is not too good to be true, you just need to assess the plan against your individual needs and budget.
Learn more about Medicare Advantage…
Watch: Medicare Advantage — 5 Things to Know Before You enroll