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Could a Medicare Advantage Plan be Right for You?

Understanding the ins and outs of Medicare can be confusing, leaving you wondering what kind of plan best suits your needs. There are lots of options, including Medicare Advantage plans, which include multiple benefits in one plan.

At Reliant Medical Group, we now accept multiple Medicare Advantage plans. So, we thought this is a good time to provide information about how Medicare Advantage plans work and how they are different from Original Medicare.

What is Medicare Advantage?

Medicare Advantage is a different way to get Medicare. Original Medicare is run by the federal government while Medicare Advantage is sold by private insurance companies. Medicare Advantage covers the same services that Original Medicare does, but offers additional benefits and services. These may include coverage for prescription drugs, routine vision exams, hearing and dental care, fitness memberships and transportation to medical appointments. Some plans also offer chronic condition and disease management programs, as well as resources to better coordinate your care between multiple providers.

Get More with Medicare Advantage

Medicare Advantage plans support your primary care doctor’s care plan. They help ensure you get preventive care like wellness visits, tests, checkups and vaccines, which support better health outcomes

Medicare Advantage limits the total amount members pay for covered services. With Original Medicare, you pay 20% of the cost for covered services, with no limit to your total costs. You also have a deductible for hospital costs. You can buy a supplement plan to help with those costs. And you can add a Medicare Part D plan to cover prescription drugs. But a Medicare Advantage plan may offer you everything you need, all in one plan.

Medicare Annual Enrollment Period

The Medicare Annual Enrollment Period (AEP) for 2020 will run from October 15th to December 7th 2019. AEP is the time of year when most seniors can make changes to their Medicare plan. So, it’s not too early to understand your options.

Below are the Medicare Advantage Plans Reliant accepts now and in 2020.  You can contact the plans directly to learn more about their features and benefits.

Medicare Advantage Plans

AARP® United Health Care MedicareComplete
Insured through UnitedHealthcare
(855) 332-0910

Blue Cross Blue Shield of Massachusetts
Medicare HMO & PPO Plans
(800)-678-2265 (TTY: 711)

Fallon Medicare Plus
*Accepting beginning 1/1/2020
(866) 790-8181 (TRS 711)

Tufts Medicare Preferred HMO
(800) 877-8888 TTY (888) 899-8977
*CMS gives this plan a 5-Star Rating

Fallon Health’s NaviCare® HMO SNP (Special Needs Plan) & NaviCare® SCO (Senior Care Options): 
(877) 255-7108 (TRS 711)

Tufts Health Plan Senior Care Options HMO SNP & Tufts Health Plan Senior Care Options SCO:
(800) 877-8888 TDD/TTY: (855) 670-5940

The best way to be kept up to date on the Medicare plans your Reliant providers accept is to visit reliantmedicalgroup.org/insurance.

To learn more about Medicare Advantage, visit reliantmedicalgroup.org/medicareadvantage or cms.gov.

Please note: Reliant also accepts Original Medicare and virtually all supplemental plans

4 Responses

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  1. Posted by DAVID STEWART

    Your reply to Peter came with a little surprise as I thought that Original Medicare did pay something toward an Annual Physical. As my Reliant Physician does recommend an annual physical for me because of my medical history, what you are saying is that Medicare still doesn’t take that recommendation into account. It does give food for thought as to whether I should follow my Physician’s advice if I retain just the Medicare and my supplemental.
    The Medicare Advantage Plans do seem inviting as they include Exercise programs & prescription drugs and it could take the place of my Medicare D & Supplemental putting all the eggs in one basket.
    Can I also call Cherylann as you recommended to Peter?

    September 30, 2019 8:55 pm Reply
    • Posted by Reliant Medical Group

      Hi David. Yes, we do encourage anyone to call Cherylann with any questions regarding Medicare!

      October 1, 2019 9:08 am Reply
  2. Posted by Peter Kallanian

    I would like to know the difference between medicare supplement, which I now have and medicare advantage, I’ll be 89 years old September 3, and a veteran.

    July 29, 2019 4:48 pm Reply
    • Posted by Reliant Medical Group

      Hi Peter. Here’s a brief overview. If you have any more questions, please contact Cherylann.Owoc@reliantmedicalgroup.org.

      Medicare covers 80% of the approved costs. Medigap plans are policies that provide insurance through private companies to help cover the remaining 20% of the approved amount. These plans may help pay for Medicare deductibles, coinsurances, and copayments. Medigap plans can be used at any hospital and for any healthcare provider that accepts Medicare anywhere in the United States. In Massachusetts, there are two plans – Core and Supplement 1. All Core plans with must offer the same benefits (regardless of the company you buy it from). This is also true for all Supplement 1 plans. Their premiums will vary, depending on both the plan and the company selling it.

      Medicare Advantage
      Medicare Advantage plans contract with the federal government to provide Medicare benefits. They must provide at least the same set of benefits offered by Original Medicare. They typically require that you use their health care providers and their hospitals. You may need a referral from your doctor before seeing specialists. Medicare Advantage plans include an annual physical exam (which is not covered by Original Medicare). Some plans offer extra, Medicare-excluded benefits, such as prescription drug coverage, vision care, hearing care, dental car, gym memberships.

      August 1, 2019 8:56 am Reply

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