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FAQ(s) found under  Medicare Advantage Plans Showing 13 of 20 Prev  |  Next

Is there really any difference between a Medicare Part D Prescription Drug Plan and a Medicare Advantage Plan?
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Yes!  A Medicare Part D plans cover only out-patient prescription drugs.  A Medicare Advantage Plan offers, at a minimum, the medically-necessary coverage of Original Medicare Part A and Medicare Part B .. and sometimes Medicare Part D prescription drugs ... plus even more.

A Medicare Advantage Plan is much more complicated than a Medicare Part D Plan where people not only need to ensure that medications and pharmacies are included in a Plan, but also favorite physicians and hospitals may also be included or excluded from the Medicare Advantage Plan.

Medicare Advantage Plans actually come in two varieties: Medicare Advantage plans with prescription drug coverage (MA-PD) and Medicare Advantage plans without prescription drug coverage (MA).

As noted, a Medicare Advantage Plans combines your Medicare A (hospitalization) and Medicare B (medical, like Doctor visits) - plus usually some additional benefits like vision or dental. If you have a MA-PD, then your Medicare Advantage plan also covers prescription drug coverage or Medicare Part D.

To enroll into a Medicare Part D prescription drug plan, you must have either Medicare Part A and/or Medicare Part B.  Medicare Part D premiums are in addition to your Medicare Part A (if any) and/or Part B premiums.

To enroll into a Medicare Advantage Plan, you must have both Medicare Parts A and B . The Medicare Advantage Plans are operated by private insurance carrier and compensated by the Federal Government. Medicare Advantage premiums are also in addition to your Medicare A and Medicare Part B premiums. Some Medicare Advantage plans do not charge much of a premium (or a $0 monthly premium) - some Medicare Advantage Plans not only have a $0 premium, but you actually get a portion of your Medicare Part B premium rebated or payed-back.   As mentioned, Medicare Advantage Plans often provide the additional prescription drug coverage (MA-PD) at a reduced or no cost.

Medicare Advantage plans can be further defined by how the private insurance carriers choose to implement the Medicare Part A and Part B coverage. Some MAs are PPO (Preferred Provider Organizations) - other MAs are organized as HMOs (Health Management Organizations) - and still other MAs are set up as PFFS (Private Fee for Service Organizations).

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Related FAQs In This Category
•  Can anyone join a Medicare Advantage Plan?
•  What is an HMO POS Medicare Advantage Plan?

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Latest Added FAQs

• I am currently enrolled in Medicare Part A, Part B, and Part D - but not in a Medicare Advantage plan. Will I be required to enroll in some private HMO or PPO when the ObamaCare plan is put in full action?
   No.  There is nothing in the Affordable Care Act requiring you to join a Medicare Advantage pla...

• What are Coordinated Care Plans?
   Coordinated Care Plans are Medicare Advantage plans or Medicare Health plans that offer health care ...

• Can we find more information about Medicare Advantage plans on the Q1Medicare.com site?
   Yes.  We now provide Medicare Advantage plan searches on Q1Medicare using our MA-Finder.Medicar...

• Is a Medicare Advantage plan the best choice for most people?
   No.  Every Medicare benficiary should evaluate their situation carefully – before enrolli...

• Are all Medicare Advantage Plans pretty much the same?
   No.   Medicare Advantage plans come in a variety of forms and you should only enroll in a Medic...


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