Navigating Part D

Medicare Advantage plans have been used prevalently since it was introduced in the year 1997. However, choosing the right method which is cost-effective has been overwhelming. Although there have been some choices, not all of them are suitable for everyone.

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Therefore, while making a decision on which plan to select, ensure that you understand how the plan will cover for your medication. For people who are 65 years and older, it is required to get a thorough understanding of the different methods before making a choice. As to which way is appropriate for you and also make a comparison with other health programs as to which plan will benefit you the most.

According to Medicare, a choice should be made between Medicare Advantage plans and the original Medicare. This should be done by considering which method is cost-effective regarding the doctor prescribe medications. Generally, people who require particular medication will go for original Medicare since it covers the cost of the prescription drug plan, unlike Medicare advantage plan which does not include the cost of doctor prescribed drugs.

 

However, with Medicare Advantage plans, you can cover prescription drug plan by paying an extra cost, but you will not be able to add Medigap insurance to the program. Reason being Medigap is a particular type of insurance that will only cover your health which is not included by the original Medicare.

 

Medicare Advantage plans are beneficial is beneficial because you will not need to pay for an additional cost for a supplement plan since it is handled by a private insurance company that will keep you enrolled to your Medicare plan. It is therefore of more importance to people who are 65 years and above and are already enlisted in Medicare part D and the program can offer the best way to cover all their medical expenses.

Considering some people cannot afford the cost of supplemental insurance. Therefore, Medicare Advantage plans offer an affordable alternative.