Medicare Supplement 2017
Medicare Advantage plans 2017 update.
The question for Medicare advantage enrollees in 2017 is - Do the 2017 Medicare Advantage changes affect my plan?
Medicare Advantage 2017 was created to help Medicare Advantage enrollees sort search and enroll in the appropriate Medicare Advantage plan each year.
Our Medicare Advantage 2017 website will explain basic information about Medicare Advantage Plans and offer tools to help you sort through Medicare Advantage plans for 2017 in your area.
After consulting Medicare Insurance specialist with over 25 years of Medicare and insurance expertise from the Senior Advisors Group, we have assembled several methods for individual to search and get assistance on Medicare Advantage plans in 2017. Our goal is to help seniors find the right Medicare Advantage plan in 2017 and beyond.
To search Medicare Advantage plans on your own simply click on quotes button and follow instructions to find plans.
To speak with a licensed agent simply call 877-734-4043.
What is a Medicare Advantage Plan?
In 2017 despite almost annual attempt to bring about changes and lower subsidies (increasing cost to consumers) Medicare Advantage Plans remain essentially unchanged. This site is here to help new Medicare Beneficiaries understand Medicare Advantage plans for 2017, as well as assist in their search to find the Best Medicare Advantage plans in their area for 2017 and beyond.
Medicare Advantage (2017) are simply Health Insurance health plans (like an HMO or PPO) approved by Medicare and offered by private companies. These plans are part of Medicare and are sometimes called "Part C" or "MA Plans."
Medicare Advantage Plans (2017) provide all your Medicare health coverage (in lieu of Part A and Part B) and in most cases the Medicare Advantage will include the Medicare Part D drug coverage. In fact, if you have a Medicare Advantage plan with a few exceptions you must get the Medicare Part D plan as a combined plan A.K.A. MAPD (Medicare Advantage Prescription Drug) Note: You are still enrolled in Medicare, but Medicare no longer pays your medical bills – the new insurer (whoever you choose) is responsible for all medical cost once you are enrolled in their 2017 Medicare Advantage plan.
Medicare Advantage Plans 2017 – Background
With the passage of the Balanced Budget Act of 1997, Medicare beneficiaries were given the option to receive their Medicare benefits through private health insurance plans, like Aetna, Blue Cross, United Healthcare — just to name a few – instead of through the Original Medicare plan Part A and Part B. These programs were originally known as "Medicare Choice" or "Part C" plans.
In 2003 pursuant to the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, the compensation and business practices changed for insurers that offer these plans, and "Medicare Choice" plans became known as "Medicare Advantage" (MA) plans. These Plans prior to being offered each year must be submitted and approved by Medicare.
If you join a Medicare Advantage Plan in 2017 you still have Medicare. However, You will get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the provider of the Medicare Advantage Plan in 2017 and not from the Medicare system — although you are still enrolled in Medicare.
Medicare Advantage 2017 Premiums
Medicare pays a fixed amount to private insurance companies offering Medicare Advantage Plans and these companies must follow the rules set forth by Medicare. Medicare Advantage Plans will sometimes include additional benefits and will have a different structure of co-payments, and deductibles but essentially the "Base Value" is equivalent to Medicare alone. Medicare Advantage Plans for 2017 are not Medicare supplemental insurance plans a.k.a. Medigap which is another category of its own.
It's important to note that not all Medicare Advantage Plans in 2017 work the same way. Most plans in 2017 will have varying co-pays for each event category I.e. Primary Care Office visit, Specialist Office visit, and/or a hospital stay just to name a few. Most will have some sort of network of doctors like and HMO and you may not be able to see providers outside of these networks — except in the case of emergencies where all plans are required to cover emergency services. You need to review each plan's Summary of Benefits before joining.
Once you understand parts A, B, C and D, or, C/D combinations you have the basics. See the info for Part A, Part B, Part C and Part D for more details. If you still have questions, you can request a free Medicare phone consultation at 877-734-4043
Types of Medicare Advantage Plans
- Health Maintenance Organization (HMO) Plans
- Preferred Provider Organization (PPO) Plans
- Private Fee-for-Service (PFFS) Plans
- Special Needs Plans (SNPs)
There are other less common types of Medicare Advantage Plans that may be available:
- HMO Point of Service (HMOPOS) Plans: An HMO Plan that may allow you to get some services out-of-network for a higher cost.
- Medical Savings Account (MSA) Plans: A plan that combines a high deductible health plan with a bank account. Medicare deposits money into the account (usually less than the deductible). You can use the money to pay for your health care services during the year.
Covered services in Medicare Advantage Plans
Medicare Advantage Plans cover all Medicare services. Medicare Advantage Plans may also offer extra coverage.
Rules for Medicare Advantage Plans
Medicare pays a fixed amount for your care each month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare.
However, each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan for non-emergency or non-urgent care). These rules can change each year.
Costs for Medicare Advantage Plans
What you pay in a Medicare Advantage Plan depends on several factors.
- Whether the plan charges a monthly premium.
- Whether the plan pays any of your monthly Medicare Part B (Medical Insurance)
- Whether the plan has a yearly deductible or any additional deductibles.
- How much you pay for each visit or service (copayment or coinsurance). For example, the plan may charge a copayment, like $10 or $20 every time you see a doctor. These amounts can be different than those under Original Medicare.
- The type of health care services you need and how often you get them.
- Whether you go to a doctor or supplier who accepts assignment (if you're in a PPO, PFFS, or MSA plan and you go out-of-network).
- Whether you follow the plan's rules, like using network
- Whether you need extra benefits and if the plan charges for it.
- The plan's yearly limit on your out-of-pocket costs for all medical services.
- Whether you have Medicaid or get help from your state.
Drug coverage in Medicare Advantage Plans
You usually get prescription drug coverage (Part D) through the plan. In some types of plans that don't offer drug coverage, you can join a Medicare Prescription Drug Plan.
You can't have prescription drug coverage through both a Medicare Advantage Plan and a Medicare Prescription Drug Plan. If you're in a Medicare Advantage Plan that includes drug coverage and you join a Medicare Prescription Drug Plan, you'll be dis-enrolled from your Medicare Advantage Plan and returned to Original Medicare.