What is a Medicare Advantage Plan?
Original Medicare is the standard hospital (Part A) and medical (Part B) individual coverage offered by the federal government. Original Medicare does not cover some routine services, such as vision and dental.
Medicare Advantage (Part C) plans are offered through private insurance companies, such as Optima Health. The plans offer a full range of benefits beyond the Part A and Part B coverage you get from Original Medicare.
As an extra convenience, many Medicare Advantage plans can also include Medicare Part D prescription drug coverage and important supplemental benefits. It eliminates the need for a Medicare Supplement (Medigap) policy.
Every Medicare Advantage plan is regulated by the government to ensure you get everything Original Medicare offers and more.
Part A: Hospital
Inpatient hospital stay
Skilled nursing facility
Skilled home health
Part B: Medical
Some drugs (specific criteria)
- Medicare Advantage
- Combines Parts A and B with Managed Care
Part D: Prescription Coverage
- Prescription Drug Coverage
Optima Medicare HMO vs. Original Medicare
To ensure all of your needs are met, most of the Medicare Advantage plans offered by Optima Medicare are comprehensive plans that feature hospital, medical and prescription drug coverage all in one convenient plan. Plus, you'll get supplemental benefits and better protection from out-of-pocket costs.
|Part A (Hospital insurance)||Yes||Yes|
|Part B (Doctor and medical insurance)||Yes||Yes|
|Part D (Prescription drug coverage)||Yes*1||No|
|More predictable out-of-pocket costs||Yes||No|
|Dental and vision benefits||Yes||No|
|Fitness programs and wellness programs||Yes||No|
|Virtual telemedicine doctor appointments||Yes||No|
*1: Not applicable to Optima Medicare Classic (HMO).
Last Updated: 10/6/2021