Original Medicare Versus Medicare Advantage Plans
Maybe someone told you that you’ll get better care with Original Medicare vs Medicare Advantage or vice versa. Have you ever wondered if Medicare providers have a preference between Medicare Advantage plans and Original Medicare? A Total Life, our mission is to be in-network with all plans; however, we have found Medicare Advantage plans take loner. Today we can accept Original Medicare in the states we operate, plus we are already in-network with some Medicare Advantage plans and with those where applications are pending we can accept PPO usually.
We hope to be in-network with most plans by end of 2022 – please sign up here!
Unlike Original Medicare, Medicare Advantage plans have regional service areas. In addition, they typically have networks of Medicare providers who are contracted with the Medicare Advantage plan and have an active, ongoing business relationship with the plan and other Medicare providers in the network.
Medicare Advantage plan networks must include hospitals, dialysis centers, primary care physicians, specialists, and other health-care professionals and suppliers.
However, Medicare Advantage plans don’t have to contract with every Medicare provider in their area. Instead, they contract with Medicare providers who agree to coordinating patient care, improving the quality of patient care, and accepting the Medicare Advantage plan’s reimbursement schedules and administrative rules.
Here’s an eHealth educational video on common types of Medicare Advantage plans.
A Medicare Advantage plan will assist you to find suitable Medicare doctors and other health professionals in the network, as needed. If you have hospital and physician preferences, be sure to check to see if they are in the plan’s network.
If you enroll in a Medicare Advantage plan, your costs may be lower than if you stay with Original Medicare. You will pay your Part B premium, an annual deductible, if any, copayments and coinsurance. You may or may not pay another premium to the Medicare Advantage plan, depending on the plan you select.