Discover the extra benefits that Medicare Advantage plans often provide, such as dental, vision, hearing, fitness programs, and telehealth services, which are not covered by Original Medicare.
Medicare Advantage plans, also known as Part C, are offered by private insurance companies and are required to cover everything that Original Medicare (Parts A and B) covers. In addition to these basic benefits, many Medicare Advantage plans provide additional benefits not available through Original Medicare. These extra benefits vary by plan, but some of the most common additional benefits include:
Prescription drug coverage: Many Medicare Advantage plans include integrated Medicare Part D prescription drug coverage, helping beneficiaries manage their medication costs.
Dental coverage: Some Medicare Advantage plans offer dental benefits, which can cover services like routine cleanings, exams, X-rays, fillings, extractions, and sometimes more extensive dental work, such as crowns and dentures.
Vision coverage: Vision benefits in Medicare Advantage plans may cover routine eye exams, eyeglass lenses and frames, and contact lenses. Some plans may also provide coverage or discounts for more advanced services, such as cataract surgery or treatment for eye diseases.
Hearing coverage: Hearing benefits may include routine hearing exams and coverage for hearing aids, including fitting and maintenance.
Wellness programs: Many Medicare Advantage plans offer wellness programs designed to promote a healthy lifestyle. These may include gym memberships, fitness classes, health coaching, and weight loss programs.
Over-the-counter (OTC) allowance: Some plans provide a monthly or quarterly allowance for over-the-counter products, such as vitamins, first-aid supplies, and pain relievers.
Transportation: Some Medicare Advantage plans offer non-emergency medical transportation benefits, which can provide a certain number of rides per year to and from medical appointments.
Telehealth services: Many plans now include telehealth or telemedicine services, allowing members to consult with healthcare providers remotely through video or phone appointments.
Care coordination and case management: Some plans offer personalized care coordination and case management services, which can help members with complex health needs navigate the healthcare system and ensure they receive appropriate care.
Home-delivered meals: Certain Medicare Advantage plans may provide home-delivered meals to members after a hospital stay or under specific circumstances to support recovery and improve overall health.
Additional services for chronic conditions: Some plans, especially Special Needs Plans (SNPs), provide tailored benefits and services for beneficiaries with specific chronic conditions, such as diabetes, chronic heart failure, or end-stage renal disease (ESRD).
These additional benefits can vary significantly between plans and insurance companies. When comparing Medicare Advantage plans, it's essential to review the specific benefits offered by each plan to find one that best meets your needs and preferences.