Medicare Advantage bundles hospital, medical, prescription drug, and often dental and vision coverage into one plan — sometimes at $0 monthly premium.
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Medicare Advantage plans must cover everything Original Medicare covers — and most include much more.
All Part A (hospital) and Part B (medical) benefits are included. Medicare Advantage is an alternative to, not an addition to, Original Medicare.
Most Medicare Advantage plans include Part D drug coverage (called MAPD plans), so you don't need a separate drug plan.
Many plans include routine dental cleanings, vision exams, glasses or contacts, and hearing aids — benefits Original Medicare doesn't cover.
Many Medicare Advantage plans in the San Gabriel Valley have $0 monthly premium. You still pay your Part B premium to Medicare.
Programs like SilverSneakers, gym memberships, over-the-counter allowances, and meal delivery are common extras on many plans.
Some plans offer rides to doctor appointments, telehealth visits, and caregiver support programs.
Most Medicare Advantage plans use HMO or PPO networks. You generally need to use in-network doctors and hospitals, or pay more for out-of-network care.
Some services require approval from the plan before you receive care. This is different from Original Medicare, which rarely requires prior authorization.
Benefits, premiums, and networks can change annually. I'll review your plan each year during the Annual Enrollment Period to make sure it still works for you.
Unlike Original Medicare, all Medicare Advantage plans have a maximum out-of-pocket limit that protects you from catastrophic costs.
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