Complete Medicare Advantage Plans

Medicare Part A covers hospital services.

Medicare Part B covers doctor visits, outpatient care, and preventive services. Part A and Part B are available through the Federal government. There is a monthly premium for Part B. It is deducted from your monthly Social Security benefits.

Medicare Part C is a Medicare Advantage plan, like all MVP plans. MVP Medicare Advantage Plans include all Part A and Part B benefits. They also include extra benefits like dental, vision, over-the-counter coverage, and fitness programs.

Medicare Part D is prescription drug coverage. It is included with most MVP Medicare Advantage plans.

Medicare (sometimes called Original Medicare) is the federal health insurance program for people aged 65 and older. People under age 65 with certain health conditions can also be eligible for Medicare. The Centers for Medicare & Medicaid Services (CMS) is the federal agency in charge of the Medicare program.

Medicare Advantage plans are accessible during specific periods.

You must sign up for Medicare Part A and Part B before enrolling in a Medicare Advantage plan. You can do so through Social Security.

You can enroll in a Medicare Advantage plan starting three months before your 65th birthday. You can also enroll up to three months after your 65th birthday. There are also other special enrollment periods. Leaving your employer group coverage or moving are common examples.

You can change Medicare Advantage plans each year during the Annual Enrollment Period. It lasts from October 15 through December 7 each year.

Everyone’s health care needs are unique. Most people should confirm that their doctors are in the plan’s provider network. MVP’s Find a Doctor Tool can help.

It's also helpful to check your prescription coverage. The MVP Medicare Part D Formulary can help with that.

Don’t forget to consider whether you need care away from home. MVP Medicare Advantage plans offer coverage all over the United States, so you’re cared for wherever you go.

Finally, think about what extra benefits you would use, like Medicare dental or Medicare vision coverage.

HMO plans limit care to doctors and hospitals within the plan's network. You must choose a primary care doctor (PCP) from the plan’s network. Referrals are usually required to see specialists. Out-of-network care is not covered, except in emergencies or when urgently needed.

HMO-POS plans let you see doctors and hospitals outside the plan network for some covered services. Out-of-network services may have higher costs. Referrals may be required to see specialists.

PPO plans offer the most flexibility in choosing doctors or hospitals. You can see any provider who accepts Medicare. However, covered services from out-of-network providers may have a higher cost. Referrals are not required.