What is a Medicare Advantage Plan?
Let's see how Medicare Advantage fits with Original Medicare.
Original Medicare is the standard Part A and Part B coverage offered by the federal government. Part A covers inpatient hospital stays, skilled nursing facilities, hospice and some home health care. Part B includes doctor visits, durable medical equipment, mental health care, lab costs and preventive services.
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
Medicare Advantage plans are offered through private insurance companies, such as Optima Health, and are also referred to as Part C plans. These types of plan offer the full range of benefits beyond the Medicare Part A and Part B coverage that you get from Original Medicare, and often provide additional benefits. As an extra convenience, many Medicare Advantage plans can also include Medicare Part D prescription drug coverage and important supplemental benefits.
Every Medicare Advantage plan is regulated by the government to ensure that you’ll get everything Original Medicare offers…. and more.
Optima Medicare HMO vs. Original Medicare
To ensure all of your needs are met, the Medicare Advantage plans offered by Optima Medicare are Medicare Advantage Prescription Drug 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||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|
Last Updated: 10/8/2018