FAQ’s
What is a Medicare Advantage Plan?
Medicare Advantage Plans are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. This coverage can include prescription drug coverage.
Medicare Advantage Plans include:
- Medicare Health Maintenance Organization (HMOs)
- Preferred Provider Organizations (PPO)
- Private Fee-for Service Plans
- Medicare Special Needs Plans
When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care. In most of these plans, generally there are extra benefits and lower copayments than in the Original Medicare Plan. However, you may have to see doctors that belong to the plan or go to certain hospitals to get service.
To join a Medicare Advantage Plan, you must have Medicare Part A and Part B. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you might have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer.
If you join a Medicare Advantage Plan, your Medigap policy won’t work. This means it won’t pay any deductibles, copayments, or other cost-sharing under your Medicare Health plan. Therefore, you may want to drop your Medigap policy if you join a Medicare Advantage Plan. However, you have a legal right to keep the Medigap policy.
Will insurance pay for a wheelchair?
Coverage is based on the terms of your specific plan. However, the first step to determining coverage for any medical equipment is to talk to your physician. A prescription from your physician is the first step to obtaining insurance approval.
Will insurance pay for a wheelchair to use to help me while shopping?
Most insurance coverage is directed toward equipment that is needed in the home to assist with mobility.
Will Medicare help me with a bath chair?
Medicare does not help with any bath equipment. However, if you also have Medicaid, they may assist with this type of equipment.