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To: Don Green who wrote (18)	2/16/2024 11:54:02 AM
From: Don Green	1 Recommendation Recommended By tntpal Read Replies (2) \| Respond to of 39

What is the secret to Medicare plus programs which isn’t bing told in all of the advertising The secret to Medicare Plus programs is that they are not always as good as they seem. While they may offer some additional benefits, such as dental, vision, and hearing coverage, they can also have higher out-of-pocket costs and more restrictions on where you can get care. One of the biggest secrets about Medicare Advantage plans is that they can charge more for out-of-pocket costs than Original Medicare. This is because Medicare Advantage plans are offered by private insurance companies, and they are allowed to set their own copays and deductibles. In some cases, the out-of-pocket costs for a Medicare Advantage plan can be thousands of dollars more than for Original Medicare. Another secret about Medicare Advantage plans is that they have more restrictions on where you can get care. Medicare Advantage plans have networks of doctors and hospitals that you must use in order to get the most coverage. If you go to a doctor or hospital that is not in your network, you may have to pay a higher copay or deductible. Original Medicare, on the other hand, does not have any restrictions on where you can get care. You can go to any doctor or hospital that accepts Medicare, and you will be covered. If you are considering a Medicare Advantage plan, it is important to carefully compare the costs and benefits of the plan to Original Medicare. You should also make sure that the plan has a network of doctors and hospitals that you are comfortable with. Here are some additional things to keep in mind when choosing a Medicare Advantage plan: Network size and location: Make sure the plan has a network of doctors and hospitals that are convenient for you. You should also check to see if the plan covers your preferred doctors and hospitals. Out-of-pocket costs: Compare the plan's copays, deductibles, and out-of-pocket maximum to Original Medicare. Prescription drug coverage: Make sure the plan covers the prescription drugs you take. You should also compare the plan's formulary (list of covered drugs) to your current prescription drug plan. Additional benefits: Some Medicare Advantage plans offer additional benefits, such as dental, vision, and hearing coverage. Consider which benefits are important to you and compare the plans that offer them. You can compare Medicare Advantage plans using the Medicare Plan Finder on Medicare.gov. It is also important to note that you can switch back to Original Medicare at any time during the Medicare Open Enrollment Period, which is from October 15 to December 7. However, if you have a pre-existing condition, you may have to pay a higher premium for Original Medicare.