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When it comes to selecting the right Medicare plan, it’s often hard to know if you’re playing your cards right.
Should you choose Original Medicare (includes Parts A and B)? Should you get a Medigap policy to cover the gaps of Original Medicare? Do you need Medicare Prescription Drug (Part D) coverage? Or is Medicare Advantage (Part C) your best play?
Before enrolling in Medicare Part C, you must first enroll in Parts A and B. You can then enroll in Part C during certain enrollment periods.
Why Choose Medicare Advantage (MA) Part C?
There are as many reasons for choosing an MA plan as there are cards in a deck. One reason —wanting health coverage and services above what Original Medicare offers. Out-of-pocket costs vary by plans. A person paying a higher monthly premium might have lower out-of-pocket expenses. And all plans have a yearly out-of-pocket maximum.
Original Medicare is different from an MA plan. Original Medicare has no yearly limit on what you pay out of pocket. And members usually pay 20% of the Medicare-approved amount after meeting the deductible.
A popular reason in choosing an MA plan that includes drug coverage is that Parts A, B, and D are combined into one plan. That makes managing your Medicare easy!