Alabama Medicare insurance Part C is also called as Alabama Medicare Advantage (MA) plans.
Alabama Medicare Advantage Plans are offered by several private companies in Alabama which are approved by Medicare.
Medicare Advantage Plans cover all services of Part A (Hospital Insurance) and Part B (Medical Insurance)
In all types of Medicare Advantage Plans, emergency care is covered.
All the services of Medicare are covered by Medicare Advantage Plans except the hospice care. Medicare Advantage plans are not supplementary plans along with Medicare.
Medicare Advantage Plans may give extra coverage like vision, hearing aids, dental and health and wellness programs and prescription drug coverage.
If you are already enrolled in the Medicare Advantage Plan, you cannot buy Medigap policy.
Legally it is not allowed to join Medigap policy if you already have Medicare Advantage Plan coverage.
Medicare Advantage Plans are approved by Medicare and abide the rules imposed by Medicare.
You can get the benefits of Medicare Advantage plans even if you have preexisting conditions except End Stage Renal Disease.
You have to pay monthly premium along with the Part B premium to avail the coverage through Medicare Advantage Plan.
A fixed amount is given by Medicare to Medicare Advantage Plan companies for your health care. But each Medicare Advantage Plan can charge out- of- pocket amount and have different rules set for you to use their services. These rules change every year.
Types of Medicare Advantage Plans
There are different types of Medicare Advantage Plans-
- Health Maintenance Organization (HMO) Plans
- Preferred Provider Organization (PPO) Plans
- Private Fee For Service (PFFS) Plans
- Special Needs Plans (SNP)
- HMO Point- of- Service (HMOPOS)Plans
- Medical Savings Account (MSA) Plans
Decided to get Medicare Advantage Plan?
First step-Every Medicare Advantage Plan differs in its rules, so find out the rules of these plans.
Second step-Check if your needs are covered by the Plan
Third step– You can get the Medicare Advantage Plan by completing a paper application or enrolling online on the website www.medicare.gov .
Join Medicare Advantage Plans
ü You can join the Medicare Advantage Plan when you are first eligible for Medicare in the seven month enrollment period.
ü 3 months before or three months after from the 25th month when you are disabled.
ü In 2010, from 15th November to 31st December you can join Medicare Advantage Plan, but the coverage starts from 1st January 2011.
Alabama Medicare Advantage plan changes for 2011
Medicare Advantage plans change every year. Medicare Advantage Plan 2010 will end on December 2011.You need to enroll for 2011 Medicare Advantage Plan or you will return to Original Medicare.
For 2010, Medicare Advantage Plans options have been cut down in rural areas of Alabama.
Hence compare the Medicare Advantage Plan coverage, rules and cost before you enroll for the Plan in 2011.
SHIP (State Health Insurance Assistance Program)
You can call your State Health Insurance Assistance Program for help
It helps you for choosing and buying Medicare Advantage Plans, giving you information about the rules and regulations, dealing with payments refusals and any complaints about the Plan.