How Can I Get the Right Medicare Advantage Plan for Me?
Getting Social Security Disability (SSD) benefits was difficult enough. Now, you need Medicare to cover your medical costs.
The good news? After two years of Social Security Disability eligibility, you’re eligible for a Medicare Advantage plan. This lets you focus on living your life, knowing your health care needs are covered.
The bad news? Picking a plan can be a confusing, muddled process.
At Levine Benjamin, our disability lawyers and insurance experts can help you choose the right plan for you. The plans can vary depending on what services you need and what medications you take.
If you’re surveying your options for a Medicare Advantage plan, or you’re lost trying to select the best plan, give the staff at Levine Benjamin a call today.
We’re proud to help our neighbors in Detroit, Toledo, Flint, Lansing, Grand Rapids and across Michigan get the coverage they need.
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Choosing the Right Medicare Advantage Plan
You might be confused about how Medicare Advantage plans differ from other Medicare plans.
You can read more about that here, but the basic gist is that Medicare Advantage plans, sometimes called Medicare Part C, are run by private insurance companies approved by the government through Medicare.
Here are the Medicare Advantage plans you could be eligible for:
- Health Maintenance Organization (HMO) Plans: In this plan, you choose a primary doctor (if you don’t have one already) and generally must get treatment from doctors, hospitals and other health care providers in your plan.
- Preferred Provider Organization (PPO) Plans: These are pretty similar to the way HMO plans are set up, but they give you the flexibility to get care outside your plan, albeit at an added cost.
- Private Fee-for-Service (PFFS) Plans: This plan gives you the most flexibility, as you can get your care from anywhere you choose depending on approval from the health care provider. A PFFS plan will set aside the money it provides depending on the care, while you pay the rest.
- Special Needs Plans (SNPs): These plans are limited to people with specific and usually chronic ailments. If you qualify, your plan will be tailored to give you the coverage you need.
We know this can all seem overwhelming. That’s why we’re here to help.
Our insurance advisers can go over each plan and help you decide what’s best for you, your family and your future.
Talk to us today for free evaluation of your situation.
What Should I Know When Picking a Medicare Advantage Plan?
Too often, we see clients come to our door baffled by each plan, what it covers, and what it doesn’t.
Here are a few tips we offer if you’re confused about your Medicare Advantage plan, no matter where you are in the process:
- Read the fine print. You need to know exactly what’s included—and excluded—in your plan. We’ve seen it both ways: Sometimes, people are unaware of benefits they have access to, while others assume they have coverage for certain treatment when, in reality, they don’t.
- You can appeal a denial. If Medicare denies any claim for coverage, you have the right to appeal.
- You don’t have to wait as long as you think. If you were approved for SSD benefits, the time you waited on your approval counts toward the 24 months you have to wait to get Medicare.
One call to Levine Benjamin can help clear any of this up for you. Contact us today to get the help you need.