South Carolina Medicare Advantage Plans FAQ

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FAQs Medicare Advantage Plans
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Medicare Advantage Plans

• Medicare Advantage Plans are a type of Medicare
  health plan offered by a private company that
  contracts with Medicare to provide all your Part
  A and Part B benefits. Most Medicare Advantage
  Plans also offer prescription drug coverage. If
  youre enrolled in a Medicare Advantage Plan,
  most Medicare services are covered through the
  plan. Your Medicare services arent paid for by
  Original Medicare.
• Heres some FAQs for you about South Carolina
  Medicare Advantage Plans.

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Frequently Asked Questions About Medicare
Advantage Plan

• How to join a Medicare Advantage Plan?
• Who can join a Medicare Advantage Plan?
• When can I join, switch, or drop a Medicare
  Advantage Plan?
• What if my plan decides to stop participating in
  Medicare?
• What if I have End-Stage Renal Disease (ESRD)?
• How do Medicare Advantage Plans work?

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How to join a Medicare Advantage Plan?

• Not all Medicare Advantage Plans work the same
  way. Before you join, take the time to find and
  compare Medicare health plans in your area. Once
  you understand the plan's rules and costs, here's
  how to join
• Use Medicare's Plan Finder.
• Visit the plan's website to see if you can join
  online.
• Fill out a paper enrollment form. Contact the
  plan to get an enrollment form, fill it out, and
  return it to the plan. All plans must offer this
  option.
• Call the plan you want to join. Get your plan's
  contact information.
• Call us at 1-800-985-8111.

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Who can join a Medicare Advantage Plan?

• You can generally join one of these Medicare
  Advantage plans
• Health Maintenance Organization (HMO)
• Preferred Provider Organization (PPO)
• Private Fee-for-Service (PFFS)
• Medical Savings Account (MSA) Plan
• If all of these apply
• You live in the service area of the plan you want
  to join. The plan can give you more information
  about its service area. If you live in another
  state for part of the year, ask if the plan will
  cover you there.
• You have Medicare Part A and Part B.
• You don't have End-Stage Renal Disease (ESRD) 

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When can I join, switch, or drop a Medicare
Advantage Plan?

• How to switch If you're already in a Medicare
  Advantage Plan and want to switch, follow these
  steps
• To switch to a new Medicare Advantage
  Plan, simply join the plan you choose during one
  of the enrollment periods. You'll be disenrolled
  automatically from your old plan when your new
  plan's coverage begins.
• To switch to Original Medicare, contact your
  current plan, or call us at 1-800-985-8111.

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• Unless you have other drug coverage, you should
  carefully consider Medicare prescription drug
  coverage (Part D). You may also want to consider
  a Medicare Supplement Insurance (Medigap) policy.
  Remember, you may only be able to switch
  at certain times of the year.
• If you have other coverage
• Talk to your employer, union, or other benefits
  administrator about their rules before you join a
  Medicare Advantage Plan. In some cases, joining a
  Medicare Advantage Plan might cause you to lose
  employer or union coverage. If you lose coverage
  for yourself, you may also lose coverage for your
  spouse and dependents.
• In other cases, you may still be able to use your
  employer or union coverage along with the
  Medicare Advantage plan you join. Remember, if
  you drop your employer or union coverage, you may
  not be able to get it back.

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What if my plan decides to stop participating in
Medicare?

• At the end of the year, plans can decide to leave
  the Medicare Program. If your plan leaves, you'll
  get a letter explaining your options.
• Generally, you'll be automatically returned
  to Original Medicare if you don't choose to join
  another Medicare Advantage Plan. You will also
  have the right to buy a Medigap policy.
• No matter what you choose, you're still in the
  Medicare Program and will get all
  Medicare-covered services. If you choose to go
  back to Original Medicare, you need to decide if
  you want drug coverage. If so, you need to join
  a Medicare Prescription Drug Plan (Part D).

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What if I have End-Stage Renal Disease (ESRD)?

• If you have ESRD, you'll usually get your health
  care through Original Medicare. You can only join
  a Medicare Advantage Plan (Part C) in certain
  situations, like these
• You're already in a Medicare Advantage Plan when
  you develop ESRD. You may be able to stay in your
  plan or join another plan offered by the same
  company.
• Youre already getting your health benefits (for
  example, through an employer health plan) through
  the same organization that offers the Medicare
  Advantage Plan.
• You may be able to join a Medicare Special Needs
  Plan (SNP) for people with ESRD if one is
  available in your area.

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• You had ESRD, but have had a successful kidney
  transplant, and you still qualify for Medicare
  benefits (based on your age or a disability). You
  can stay in Original Medicare, or join a Medicare
  Advantage Plan.
• You have a one-time right to join another plan if
  both of these are true
• You have ESRD and are in a Medicare Advantage
  Pla
• The plan leaves Medicare or no longer provides
  coverage in your area
• You don't have to use your one-time right to join
  a new plan immediately.
• If you go directly to Original Medicare after
  your plan leaves or stops providing coverage,
  you'll still have a one-time right to join a
  Medicare Advantage Plan later.

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How do Medicare Advantage Plans work?

• Medicare Advantage Plans, sometimes called "Part
  C" or "MA Plans," are an all in one alternative
  to Original Medicare. They are offered by private
  companies approved by Medicare.  If you join a
  Medicare Advantage Plan, you still
  have Medicare.  These "bundled" plans include
   Medicare Part A (Hospital Insurance) and Medicare
  Part B (Medical Insurance), and usually Medicare
  prescription drug (Part D).
• Find Medicare Advantage Plans in your area.
• For more information in detail contact us on Toll
  Free number 800-985-8111

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Contact US For South Carolina Medicare Advantage
Plans
61 Arrow Rd. Suite FHilton Head Island, SC 29928
[phone]Toll Free 800-985-8111
ashley_at_schealthbenefits.com
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Thank You
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