Your Medicare Advisor

5 Misconceptions About Medicare

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1. Enrolling in a Medicare Advantage Plan will void Original Medicare.

Original Medicare consists of Parts A & B, which are Hospital and Medical coverage. Original Medicare does not cover everything, so some people choose to pick up a Medicare Advantage plan (Part C) to pay for things like prescriptions, dental, vision, and possibly lower their out-of-pocket health expenses. When you have an Advantage plan, you are agreeing to the plan’s terms and conditions as a replacement for your Original Medicare. Now, you will still be enrolled in Parts A & B, but you will only use your Medicare Advantage plan insurance as your primary and sole insurance.

2. Medicare Advantage plans are the same as Medicare Supplement plans.

False! Medicare Advantage (Part C) is a replacement to Original Medicare. These plans operate off a network like an HMO, PPO, or PFFS and can include drug coverage.

Medicare Supplement plans, aka Medigap plans, are a gap filler that work with Original Medicare to cover healthcare services and supplies.  Supplements do not have a network, so they will offer nationwide coverage at any doctor or facility that accepts Original Medicare. Additionally, these plans do not typically cover prescription drugs.

3. Medicare Advantage is unnecessarily expensive.

Many Medicare Advantage plans have a low premium and cover some co-pays and deductibles that aren’t covered by original Medicare. This may end up saving you money in the long run.

4. Part A has an annual deductible.

That is not quite true. The Part A deductible starts and stops with each benefit period. A benefit period begins the day you are admitted for inpatient care at a hospital or skilled nursing facility and ends when you haven’t gotten any inpatient hospital care (or skilled nursing care) for 60 days in a row. So, the Part A deductible could be met more than once a year.

5. Medicare is only for seniors and is very complex.

Generally, people who are 65 and older qualify for Medicare. However, people who are under 65 with certain disabilities may also qualify for Medicare. Medicare is somewhat confusing, but with the help of a knowledgeable Medicare Agent you will get the right plan for you with no stress.

If you would like to review specific plan options, our licensed agents here at AMAC are happy to assist you. They are licensed with top-rated insurers throughout the country.

Call 1-855-611-4856 to speak with one today!


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Paul
15 hours ago

This is propaganda, advantage plans dis enroll you from the original Plan A and B, if you leave your Advantage plan at any point in the future, you cannot get back onto original Medicare plan A or B without being underwritten by an Insurance Carrier, which if you had any severe pre existing medical condition will mean no Medicare either plan and everything is out of pocket. You have been cut off if you survived cancer, had heart problems any pre existing condition can get you dis enrolled and off of Medicare and forced into Obozocare!

Dan W.
14 hours ago
Reply to  Paul

You are mixing switching back from a Medicare Advantage plan to original Medicare with also switching back to a Medicare Supp. (Medigap) plan.

You may have hurdles to clear to regain a Medigap plan as part of your switch back to original Medicare but that would vary on a case by case basis.

Editor
Sabrinah Cave
14 hours ago
Reply to  Paul

Hello Paul,

Although we appreciate you voicing your concerns, I would like to clarify a few things regarding the statements you’ve made.

  1. You need Part A & B (Original Medicare) in order to enroll into a Medicare Advantage plan.Therefore, enrolling in an Advantge plan will not disenroll you from Original Medicare.
  2. You may only drop your Advantage plan at certains times of year since they operate off an annual contract, but this does not prohibit you from going back to Original Medicare in the future.
  3. Original Medicare is never medically underwritten.However, Medicare Supplement plans (aka Medigap) are. A decline from a Supplement plan will not force you into an Affordable Care Act plan (Obamacare).
  4. Original Medicare and a Medicare Supplement are two different plans.

Thank you for allowing us to clear up some more common misconceptions. As trusted Medicare advisors, it is our duty at AMAC to help you understand the complexities of Medicare.

Last edited 13 hours ago by Sabrinah Cave
ourzoo10
1 day ago

Don’t like the Medicare “advantage” as it has negated parts of our Supplemental Insurance. We have paid our own way for dental and vision for years, don’t intend on changing that now. So basically we are paying for someone else’ coverage. It has also cut down on our network of Drs. and Hospitals.

Nina Hardoff
1 day ago
Reply to  ourzoo10

So true.

Hal
1 day ago
Reply to  ourzoo10

Ditto!

Editor
Sabrinah Cave
13 hours ago
Reply to  ourzoo10

Thank you for your comment.

I am glad you found a plan that works for you! Many enjoy the flexibilty of not having a network with the Medicare Supplement plans, while others enjoy the often lower premium aspect of Medicare Advantage plans. Here at AMAC, we offer both options, keeping in mind that everyone’s needs are unique.

If you ever want to compare Supplement plan options in your area, feel free to give us a call at 1-855-611-4856.

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