What is Medicare Advantage?
Thank you for considering Alignment Health Plan for your health care needs.
Alignment Health Plan is proud to offer a variety of Medicare Advantage Plans specifically developed for the beneficiaries in the counties that we serve. Please browse through our benefit highlights or find a seminar near you to learn more about our available plans.
What is a Medicare Advantage insurance plan?
A Medicare Advantage insurance plan is offered by a private company that contracts with the federal government to provide all your Part A (hospital) and Part B (doctor and other medical) benefits. Most Medicare Advantage plans also offer prescription drug coverage as well.
In comparison to Original Medicare, there are many advantages and benefits when choosing a Medicare Advantage plan.
What are the advantages of a Medicare Advantage plan?
When choosing your Medicare coverage, you may select Original Medicare or Medicare Advantage, also known as Medicare Part C. Medicare Advantage plans cover all the services that Original Medicare covers besides hospice care. Even if you are enrolled in a Medicare Advantage plan, Original Medicare covers hospice care. On top of these standard Medicare benefits, many Medicare Advantage plans include extra benefits such as dental care, eyeglasses, and gym or fitness programs. Most Medicare Advantage plans include Medicare prescription drug coverage (Part D).
All-in-One Coverage Options
Original Medicare only offers hospital insurance and medical insurance. You would need to purchase a separate standalone Medicare Part D plan for prescription drug coverage and Medigap for supplemental coverage to pay for expenses not covered by Medicare. With Medicare Advantage, you get everything that Original Medicare offers plus more – all in one plan.
Better Services and Better Value
Medicare Advantage plans provide more services, more coordinated care and more value than Original Medicare. Read more about the pros of choosing a Medicare Advantage plan when considering your Medicare options.
How to find the best Medicare Advantage plan for you
Many factors go into deciding what plan works best for you. Ask yourself what kind of coverage you are looking for. Call around and ask different companies what they offer. Consider your long-term health care needs and think about which plan will suit your preference. Determine how much you are willing to spend on your health care on a monthly and yearly basis. Monthly premiums, yearly deductibles, and copays may be included in your Medicare Advantage plan costs. Some plans may charge a couple hundred dollars for premium and deductibles and other plans might not charge you anything. Make sure to take into consideration the out-of-pocket max for your plan. For many Americans who use Medicare coverage, Medicare Advantage plans are a great choice. Read more about the questions you should be asking to help you find the best Medicare coverage for you.
Medicare Advantage Plans with Alignment
When choosing a Medicare Advantage plan or Original Medicare, there are a few things to consider. Before deciding on which plan is best for you, it is important to look at all the options and associated benefits and coverage costs. Whether you choose Original Medicare or Medicare Advantage, take time to review your health care needs. Visit our FAQ page for more information about Medicare Advantage, when you can enroll or change your plan, and more.
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