Medicare Advantage, otherwise known as Medicare Part C, combines elements of Medicare Parts A &B alongside additional coverage options. In contrast to Part A and B, Part C is sold through private health insurance companies and not the federal government. Every Part C provider is required to uphold the highest possible standards and adhere to all Medicare-related rules and regulations.
Medicare Part C covers numerous expenses and services not covered by Parts A & B. Medicare advantage plans for disabled under 65 members are also partially customizable. The latter feature allows qualified members to add or subtract coverage options from their plans for financial purposes or medical needs. This is highly beneficial to disabled people under 65 living on fixed incomes.
This is also specifically beneficial to disabled people who require specialized or unique treatments. Examples of expenses and services covered in Medicare Advantage plans but not in Plans A & B include:
- Hearing examinations.
- Dental services.
- Vision tests, eye improvement surgeries & glasses.
- Physical fitness classes.
- Dental-related expenses.
- Transportation to/from qualified medical appointments.
- Health/wellness classes or training.
Medicare Part C covers some prescription medication costs. The majority of prescription medication costs are covered under Medicare Part D plans, however.
The free market partially dictates the cost of Medicare Advantage Plans to its members.
Part C providers are permitted to charge whatever monthly premiums they choose to charge. State regulations as imposed in the state you live might also affect the cost of Medicare Advantage plans.
It is important to note people under 65 must first qualify for Medicare Parts A & B prior to enrolling in Medicare Part C. This is usually not an issue for people already receiving SSDI but it does occur on some occasions.
Next, learn about Medicare Part D.