A common misconception is that choosing to enroll in a Medicare Advantage plan “cancels your Medicare”. That is false. Medicare Advantage Plans are simply another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans are sometimes referred to as Medicare Part C, MAPD Plans, or MA Plans. Medicare-approved private companies offer these types of plans and must follow rules set by Medicare. Most Medicare Advantage Plans have a built-in Part D Prescription Drug benefit. With most plans in the state of Tennessee , you will need to use health care providers who participate in the plan’s network and service area in order to receive services for the lowest costs. These plans set a limit on what you have to pay out-of-pocket each year for services that they cover, in order to protect you from unexpected costs. Various plans offer coverage for providers who are out-of-network, but sometimes at a higher cost to you. When you go to the doctor, hospital, or pharmacy, you will use the card from your Medicare Advantage Plan to get your Medicare-covered benefits. Keep your red, white, and blue Medicare card in a secure place at home because you will need it if you decide to switch back to Original Medicare or if you need your Medicare number. If you would like more information about the Medicare Advantage plans in your county, contact us by phone, email, or this site.

Pros of a Medicare Part C Advantage Plan

• Low, sometimes $0, monthly plan premium.

• Plans are available those enrolled in Medicare Parts A and B even if you are under the age 65 (Medicare Enrollees on Disability).

• No health questions to apply.

• Monthly plan premiums are the same no matter what your age.

• No penalties for tobacco use.

• No pre-existing health condition limitations.

• Medicare coverage for hospital, doctor, and many time prescription drug coverage bundled together into one plan and ID card.

• Most plans offer coverage for services Original Medicare doesn’t cover, like vision, hearing, dental, and fitness programs such as gym memberships.

• Some plans offer free additional coverage for services like transportation to and from doctor visits, over-the-counter medications, and services that promote better health and wellness.

• Plans have a set maximum amount you can be charged out of your pocket during any calendar year for In and Out of Network benefits.