Medicare Advantage Plans
My wife and I have had original Medicare Parts A&B with a separate Supplemental and Prescription Drug plans for several years now. I was looking at Advantage plans and wondered if traveling from our s...
Forum Discussion
ljhl wrote:
My wife and I have had original Medicare Parts A&B with a separate Supplemental and Prescription Drug plans for several years now. I was looking at Advantage plans and wondered if traveling from our stick home in Texas to our summer RV site in Maine would be a problem with the Advantage plan. If either of us needed to see a doctor while in Maine, would we be out of luck, insurance wise? Thanks for any of your experienced info!
To answer your question, possibly. Advantage Plans typically provide out of network coverage for emergency care only. But if you are back home in Texas, will your doctors be in your plan's network? Advantage Plans refer to "out of network " providers. That statement would be more accurate if it read "completely on your own".
Like you, my wife and I have 'original ' Medicare, a supplement, and a Part D drug plan. My wife needed hearing aids, a Costco membership took care of that with reasonably priced and good hearing aids. We have dental insurance as well. More monthly cost than an Advantage Plan, but as long as we can pay the premium, we have no desire to change.
Finally, something to consider. If you leave original Medicare, go to an Advantage Plan, and want to return to original Medicare, you will be subject to medical underwriting for a Supplement.
