What is Medicare Advantage?

Florida Medicare Advantage, also known as Part C, include Part A (Hospital), Part B (Medical), and often Part D (Prescription Drug Coverage). It is provided through private insurance companies approved by Medicare.

How do I choose my Doctor?

Typically you have to use plan doctors through an HMO, or PPO network. What are the Differences between these?

HMO

- You have to stay in the network for service. If you go out of the network you have no coverage. (Except in emergencies and urgent care)
- You typically have to have a referral to see a doctor
- You have to have a Primary Care Physician
- Your care, overall, is more closely managed in an HMO, and in return your out of pocket costs are usually lower than a PPO

PPO

- You have the flexibility to see doctors in and out of network. Although Out of Network doctors may cost more
- You can see a specialist without a referral
- You have a bit more control over your health, and in return, your out of pocket costs may be slightly higher than an HMO

How Much does it Cost?

- Most people pay the Part B premium
- Most plans do not have a monthly premium, and some even refund part of the Medicare Part B Premium
- You pay copays or coinsurance for covered services. Costs and rules vary by plan.