Louisiana Medicare Advantage Plans are approved in contract with Medicare and run by private insurance companies.
Louisiana Medicare Advantage Plans cover both Part A (Hospital insurance) and Part B (Medical insurance).
Most of the services are covered in Medicare Advantage Plans except hospice care.
Medicare Advantage Plan covers Part D which is also called Medicare prescription drug coverage.
You can get Medicare Advantage Plan if conform to following conditions
If you already have Medicare and want to enroll to Medicare Advantage plans you must know the following-
1) Plan provides primary health care instead of Original Medicare.
2) No payments will be made by Original Medicare.
3) Medicare card will be replaced by a plan card.
4) You may have to pay for copayments.
5) It does not replace Medicare Supplement insurance plans.
You have to pay monthly premium along with the Part B premium to avail the coverage through Medicare Advantage Plan.
A fixed amount is given by Medicare to Medicare Advantage Plan companies for your health care. But each Medicare Advantage Plan can charge out- of- pocket amount and have different rules set for you to use their services. These rules change every year.
First step-Every Medicare Advantage Plan differs in its rules, so find out the rules of these plans.
Second step-Check if your needs are covered by the Plan
Third step- You can get the Medicare Advantage Plan by completing a paper application or enrolling online on the website www.medicare.gov