Medicare beneficiaries in Texas either add up Medigap policy to Original Medicare to fill its gap or switch to Medicare Advantage Plans in Texas ( harringroup/medicare-advantage-plans ). When you enroll for Medicare, you have to make the decision on how to avail your Medicare benefits. Some people seek more value in Medicare Advantages Plans than Original Medicare plus Medigap policy while some prefer latter. However, ultimately the best option is the one that best suits your individual health care needs.
Medicare Advantage Plans offer a wide range of benefits. Let’s have a look at them.
1. Prescription drug coverage
Original Medicare does not provide prescription drug coverage. You have to enroll in stand-alone Part D plan to get the Medicare prescription drug coverage. On the other hand, the majority of Medicare Advantage Plans include prescription drug coverage (Part D) often for no additional premium. Medicare beneficiaries who need Medicare prescription drug coverage prefer Medicare Advantage Plan over Original Medicare.
2. Out-of-pocket maximum
This is one of the key advantages of Medicare Advantage Plans. Medicare Advantage Plans have out-of-pocket maximum which fixes the cap on your out-of-pocket health spending. Once the limit is reached, your Medicare Advantage Plan pays for all covered expenses. It makes Medicare Advantage Plans an ideal choice for Medicare beneficiaries who have a risk of heart attack or other serious diseases.
3. Additional benefits
Some Medicare Advantage Plans in Texas ( https://www.harringroup.com/ ) offer dental care, hearing aids, routine vision care and other health benefits which are not covered in Original Medicare. These healthcare services are important for complete healthcare. Original Medicare pays for many health services and supplies but does not cover everything. It only provides Part A and Part B coverage. Eventually, you have to fill the gaps in Original Medicare using additional Medigap policies whereas Medicare Advantage Plans cover everything in a single plan.
4. Save money
Medicare Advantage Plans save you a lot of money. Original Medicare requires you to pay the portion of the cost of covered healthcare services all the way which can easily lead you to financial disaster if you have a bad health year. Medicare Advantage Plan not only put a cap on the maximum out-of-pocket spending on but also provides extended coverage on lower monthly premiums. In some cases, Medicare Advantage Plans provide better health coverage at a lower price than Original Medicare plus Medigap policy.
So these are the four key advantages of Medicare Advantage Plans that make it a preferred choice for receiving Medicare health benefits.
If you are enrolling for Medicare or if you are planning to switch to Medicare Advantage Plans from Original Medicare, first carefully assess all the available options and then choose the best suite Medicare Advantage Plans in Texas to avail benefits.