The United States provides a health insurance program for citizens over age 65, but sometimes the basic Medicare coverage is not enough. There are times when a more thorough plan may be needed to ensure that your health is protected. Medicare Advantage plans are available for those who want to invest a little bit more and get more coverage options in return. These plans are offered through private companies and give you all of the coverage that you could expect from Part A and Part B, with a few additions.
While Medicare Advantage plans provide the same coverage as Part A and Part B, they can also offer additional coverage for those participating members who want it. You may want to consider signing up for a plan if you need coverage for the following:
- Health and wellness programs
- Prescription drugs
Following the Rules
Medicare Advantage plans tend to have more rules than original Medicare plans. It is important to understand what rules may be different and how you should follow them before signing up. Generally speaking, you could need to obtain referrals to see specialists, or you may end up paying more out-of-pocket costs.
With the right Medicare plan, you can feel better about the aging process. Working with an insurance agent may be the best way to obtain the information that you need.