Being a citizen of the US, you can effectively make your health benefits more simplified and comprehensive simply by having a Medicare Advantage plan, provided you’re already enrolled in Medicare. Medicare Advantage plans in Texas are exclusively offered by privately managed Medicare-approved health insurance providers. The biggest benefit of a Medicare Advantage plan is that while covering all healthcare benefits that you receive under Original Medicare, this plan is designed to offer additional benefits that you won’t receive under Medicare.
An Overview of Medicare Advantage Plans in Texas
• You can find plenty of Advantage plans out there that include healthcare supplementary benefits, such as prevention and care of dental and vision disorders apart from prescription drug coverage approved by Medicare in its Part D plan. Many advantage plans also provide hearing aids and membership in fitness clubs spread across the country.
• With a Medicare Advantage Plan, you are required to pay 2 premiums every month that enables you to enjoy the benefits of Advantage coverage and services under Medicare Part B coverage.
• There is an array of Medicare Advantage plans in Texas, which can be availed just by paying premiums as low as $0. Equally, there’re various plans that offer higher deductibles facilitating potential buyers to compare the healthcare plans according to your income and necessities.
• Due to the rising cost of healthcare services in the US, Millions of Americans nowadays prefer having an Advantage Plan aside from Original Medicare, since it enables you to enjoy ‘one-stop’ healthcare solution while you can save a lot of money every year.
• You can avail of coordinated healthcare services through referrals among health care providers that simplify most of your healthcare needs.
Medicare Advantage plan- Criteria:
• Already covered by Medicare Part A and Part B plans;
• You should have citizenship of America;
• The advantage plan should be operational at least for 6 months to 12 months in the area where you live in.
• You are not entitled to having an end-stage renal failure disease under an Advantage plan in certain unusual circumstances.
Legal Concerns of Medicare Advantage Plans
Now you’re aware that Medicare Advantage Plans in Texas are not controlled by the Federal departments instead they’re private and managed by Medicare-certified providers. This basically indicates Medicare Advantage insurance providers have the freedom to choose doctors and healthcare specialists, which you can find in your plan agreement. On the contrary, with Original Medicare, generally, you can find any doctor accepting Medicare insurance in your locality. In case, you choose a care provider beyond the network of your Advantage plan, you may require paying extra for healthcare service.
When it comes to an Advantage plan, the insurance provider may need you to submit a referral prior to visiting a specialist, which is not required with Original Medicare. Many times, advantage providers are found to limit prescription drug benefits even though, you’re equipped with Part D coverage. It is noteworthy, that with a Medicare Advantage plan, you can no more avail a Medicare supplemental insurance also known as ‘Medigap’ policy.
Remember that providers of Advantage plan are having the liberty to charge you extra premiums depending on the services you look for. Often, in order to work out your premium, the provider may consider a range of factors such as the type of complexity, areas where do you live, or if you’re involved in a job belongs to some high-risk industry and others. It’s therefore, you’re recommended to verify entire terms and conditions as well as monthly premiums before choosing your most ideal Medicare advantage plans in Texas.