There are various kinds of Medicare Advantage plans, such as HMO, PPO, and Private Fee-for-Service plans. What types of Medicare Advantage plans are available? If you travel a lot, your plan may not cover services outside your service area.With certain plans, you may see additional costs for things like drug deductibles and specialist visit copays.However, other plan options will offer a wider provider network. If you see a provider out-of-network, it can cost you more. If you select an HMO Medicare Advantage plan, you may have a small selection of providers to choose from.The following are some disadvantages of Medicare Advantage plans: All the benefits of Medicare Part A and Part B plans, without buying supplemental insurance.Help paying for premiums (subsidies), if you qualify.All the rights and protections offered through the Medicare program.Prescription drug coverage (if it’s included as part of the plan).Extra benefits such as coverage for vision, hearing, dental, wellness programs, and discounts on health-related items.Costs that may be lower than Original Medicare.All of your coverage bundled together in 1 convenient plan.There are many advantages of enrolling in a Medicare Advantage plan. With Medicare Advantage plans, you can get personalized, coordinated medical care at a lower cost, depending on your plan. Always make sure your providers know you have Railroad Medicare to ensure that Medicare pays in a timely manner.What are the pros and cons of a Part C Medicare Advantage plan? Pros of Medicare Advantage Plans Your providers must send Railroad Medicare Part B claims to the Part B contractor selected by RRB. Your doctors and other providers should bill a separate contractor for services covered under Part B.If you do not qualify for premium-free Part A, it will also be deducted from your check. If you receive Railroad Retirement benefits or railroad disability annuity checks, your Medicare Part B premium should be automatically deducted from your check each month. RRB will collect your Medicare premiums.Also, if you qualify for Medicare due to End-Stage Renal Disease (ESRD), you should contact Social Security to enroll, even if you are a railroad worker. Whether you are eligible for Medicare and when it begins depends on how RRB classifies your disability. If you are under 65 and have a disability, you will have to fulfill different eligibility requirements to qualify for Medicare.If you are not collecting Railroad Retirement benefits when you turn 65, you should contact your local RRB field office to enroll in Medicare. You should receive your red, white, and blue Medicare card and a letter from RRB explaining that you have been enrolled in Medicare. If you are receiving Railroad Retirement benefits or railroad disability annuity checks when you become eligible for Medicare, RRB should automatically enroll you in Medicare Parts A and B. Your enrollment will be processed by the Railroad Retirement Board (RRB) instead of by Social Security.There are a few important differences when you enroll in Medicare if you are or were a railroad worker. You are typically eligible for Medicare if you are eligible for either Social Security benefits or Railroad Retirement benefits.
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