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Advantage Plans

Medicare Advantage (Part C) Plans in Missouri

CLAIM suggests these points to consider when considering a Medicare Advantage/Part C plan:
  • Insist on a simple outline of coverage. Know what you are buying and how it works. Is this an Health Maintenance Organization (HMO), a Preferred Provider Organization (PPO) or a Private Fee-for-Service Plan (PFFS)?
  • Are prescription drugs covered?
  • What will my premium be?
  • What will I have to pay when I go into a hospital?
  • What will I have to pay when I see my doctor?
  • Do I need to choose a primary care doctor?
  • Can I get my health care from any doctor or hospital?
  • Do I have to see a primary care doctor to get a referral to see a Specialist?
  • Do my providers (doctors, hospitals, etc.) accept the terms and conditions (payment) of this plan?
  • What will my other cost-sharing be?
  • Will this plan “travel” with me throughout the United States?
  • Can I return to Original Medicare at any time?
  • What else do I need to know about this type of plan?
  • Don’t feel pressured to enroll right away. Open enrollment is November 15th to December 31st. You may also change one more time from January 1st to March 31st, including going back to Original Medicare.