dollars stacked below an empty pill bottleFor Medicare Advantage plans, out of pocket costs will depend on the following factors:

  • Whether the plan charges a monthly premium. Some plans have no premium.
  • Whether the plan pays any of your monthly Medicare Part B (Medical Insurance) premium. Some plans may pay part or all of your Part B premium.
  • Whether the plan has a yearly deductible or any additional deductibles.
  • How much you pay for each visit or service (copayment or coinsurance). For example - The plan may charge a copayment, like $10 or $20 every time you see a doctor.
  • The type of health care services you need and how often you get them.
  • Whether you go to a doctor or supplier who accepts assignment if:
    • You're in a PPO, PFFS, or MSA plan.
    • You go out-of-network.
  • Whether you follow the plan's rules, like using network providers.
  • Whether you need extra benefits and if the plan charges for it.
  • The plan's yearly limit on your out-of-pocket costs for all medical services.
  • Whether you have Medicaid or get help from your state.
  • Many plans have can vary tremendously from county to county and in some areas most of the benefits are virtually $0.
  • There are plans in certain counties that even give you great dental benefits such as crown and bridges at absolutely no charge at all and even vision benefits including prescription lenses at no charge.
Contact Medigaptoday LLC to learn about your Medicare Advantage coverage options.
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