Michigan Medicare Advantage Plans are health plans run by private companies and approved by the federal government. These are referred to as Medicare Part C. You have to follow rules set by Medicare and this is not supplement insurance.

Once you are enrolled, Medicare Advantage plans at a minimum cover everything offered by traditional Medicare (Parts A and B) is covered. They also may offer additional benefits not covered by traditional Medicare like dental care, hearing and vision screening, prescription drug programs, and other services that would otherwise have to be selected under a supplement insurance policy.

If you use traditional Medicare and a Medigap policy your out of pocket expense would likely be less with a Medicare Advantage plan. You must pay the same monthly premium as those enrolled in Medicare Part B when you are in a Medicare Advantage plan.

Now your cost will depend on the benefits provided by the plan. Some plans do not require you to pay the extra premium, however, they have deductible and co-payment requirements. Medicare Advantage plans have lower deductibles and co-payments, but they may charge a premium. A Medicare Advantage plans keeps your overall costs lower.

Medicare Advantage plans are more convenient than the traditional Medicare, Medigap, and Part D coverage. By having all your health coverage under one umbrella, you dont have to worry about coordinating benefits between different plans and providers. All statements, bills, etc will come from one source under a Medicare Advantage plan. Your life will be a lot easier, especially if you have ongoing health problems.

Not everyone’s needs may be met by using a Medicare Advantage plan. When evaluating your Medicare options, however, apply the three Cs (coverage, cost, and convenience) to see whether traditional Medicare measures up to your particular needs.

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