医疗保险的优势, 有时也被称为“C部分”,” is something of a catch-all choice for those who are ready to sign up for 医疗保险. 医疗保险的优势 plans are offered by private insurers in conjunction with the 医疗保险 program, and can provide you with additional health insurance coverage.
In addition to signing up for 医疗保险 Part A (hospital stays) and Part B (medical coverage), 医疗保险的优势 plans offer their subscribers extra features. This frequently, but not always, includes the 医疗保险 Part D prescription drug plan.1
在某些情况下, 医疗保险的优势 plans offer coverage for areas not normally offered within regular 医疗保险 plans. This can include dental, hearing, and vision insurance.1
医疗保险 pays for a fixed amount of your health care to the company offering your 医疗保险的优势 (MA) plan. Beyond that, each MA plan requires different out-of-pocket fees. 这些费用因计划而异.1
这取决于你的计划, you may have different rules you need to follow when seeking a medical referral to get treatment from a specialist or if you are seeking non-urgent care (even from health care providers within the plan).
It’s also important to remember that rules, requirements, and features may change from year to year. It will be important to make sure that those changes line up with any treatment that you need.
While most MA plans offer Part D coverage for prescription drugs, some don’t. One example would be for 医疗保险 Medical Savings Account plans. In cases where the plan can’t or chooses not to offer prescription drug coverage, you may have the ability to join a separate 医疗保险 Prescription Drug Plan, depending on the type of plan you enroll in.1
You will likely have a number of questions and concerns as you examine your options for 医疗保险的优势 plans. Discuss these with a trusted financial professional who can help you make choices that may best fit your lifestyle.
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