Which Medicare Advantage Plans Fit Your Needs

Perhaps you should consider simplifying your health insurance benefits by choosing a Medicare Advantage plan. Medicare preventive plans cover most of the original benefits you receive from Medicare, such as health insurance coverage, deductibles and copying. Many benefit plans also include prescription drug coverage by Medicare (sometimes called Medicare Part D).

Medicare Advantage Plans offer both Part A and Part B benefits, but you may hear medical providers call Medicare Advantage Plans “Part C” plans. If you participate in a Medicare Advantage Plan, you will be paid and covered for all Medicare benefits.

Special Requirements Plans (SNPs) provide focused, specialized health care for seniors who have Medicare or Medicaid and non-seniors with disabilities who need medical assistance. You can enroll in a standalone Part D plan if you don’t have coverage, but you can’t or can’t get coverage for Medicare Advantage plans. An MA plan limits your ability to travel and has no insurance coverage in your network.

To protect your identity, Medicare removes your Social Security number from your Medicare card. The Medicare Drug Plan program gives insurers a way to offer dental insurance to Medicare participants. Medicare Advantage plans now cover more than 1,000 diseases such as cancer, heart disease, diabetes, and Alzheimer’s, as well as some mental illnesses such as Alzheimer’s and Parkinson’s Medicare Advantage programs, giving insurers the ability to offer coverage as an alternative to original Medicare coverage.

The Medicare Drug Plan program, the largest Medicare drug plan program in the United States, expires in 2021.

The issuer can choose to keep premium payments close to $0 for participants or charge more in return for richer benefits. By 2020, the largest Medicare Advantage plan in the U.S., the Blue Cross Blue Shield Plan, will have a premium of 0%. Some health plans have expanded their complementary services to include non-primarily health-related services such as mental health coverage, dental care and visual aids.

CMS exercises discretion in enforcing certain SNP-related oversight and monitoring activities, including when a Medicare Advantage plan does not fully comply with the SNP-approved model, or when the plan is delayed in re-certifying SNP eligibility. Health plans must have a good track record to ensure that they are adequately positioned to retain and acquire members.

This analysis uses the term “Medicare Advantage” to refer to all types of plans, because the cost of each plan is paid differently and is subject to different rules. The cost plans are grouped under Medicare Advantage plans, and KFF estimates may differ from those of companies operating in the Medicare Advantage market.

The change in the future fee mix affects the 324,729 recipients currently covered by the original Medicare FFS. ESRD (also known as chronic obstructive pulmonary disease) and chronic kidney disease (Cures Act of 2010). Current law prohibits people with E-SRD from enrolling in Medicare Advantage programs, except in limited circumstances. From the 2021 calendar year, Section 17006 of the CURES Act will eliminate the requirement for people without ERSD to sign up for a Medicare benefit plan.

To understand the benefits of Medicare Advantage and the options offered by the new Medicare FFS for E-SRD and chronic kidney disease, significant educational efforts are needed.

Given that enrollment in Medicare Advantage health plans could rise to 41% by 2022, it may be the best time to compare Medicare Advantage Plans.  You can benefit from a dialysis provider that meets the requirements of the new Medicare FFS for E-SRD and chronic kidney disease. It does not matter whether your dialysis center is a certified center or a home program; both centers are treated equally. All Medicare benefit plans concluded with CMS on a county or county basis are responsible for certifying that they have an adequate network of contractual providers in each county that provide beneficiaries with access to health care.

Krista Bowers, general manager of senior markets at Blue Shield of California (BSC), and her team created a solution that no other company in the state of California had implemented: Medicare Supplemental Plan G Extra. “We strategize that Plan G and Plan G Extra will be the next best alternative to Plan F,” she said. “We anticipate that that market will not shrink, but will shift to this plan.”

Benefit plans could face a break if CMS decides to align encoding patterns with the minimum statutory values. We can expect further guidelines on telemedicine from CMS by the end of the year

“Will we anticipate that there will be fewer folks in the Medicare supplement market than there were previously? I don’t think so,” said Bowers. “This particular segment of the population is really interested in that kind of freedom and kind of the hundred percent coverage that you really get with a Medicare supplement-type product, even though the part B premium is not paid for. We forecast that you will still have a strong demand in that marketplace.”

People with terminal kidney disease will also be able to participate in Medicare Advantage programs starting next year under the 21st Century Cures Act. These adjustments are intended to justify the increase in the number of people with kidney disease and the reduction in their deductibles.

Commercial payers would no longer have to pay for organ procurement because they would be covered by a fee for Medicare coverage. The Centers for Medicare and Medicaid Services (CMS) has released proposed rules to advance its efforts to strengthen and modernize Medicare Advantage plans for people with terminal kidney disease and other chronic diseases. The changes proposed today would reduce deductibles and ancillary costs for some of the most expensive organ purchases, encourage the use of generic medicines and allow beneficiaries to know and compare in advance the cost of buying organs for patients with certain diseases such as cancer, heart disease, diabetes or Alzheimer’s.