Most Medicare Advantage Plans have a low premium, or no premium. Some are “Fee for Service Plans” because there is a co-pay for most services including doctor visits, medical tests and treatments, and hospitalizations. There is a limit to the amount you can be charged per year in co-pays. You can go to any health care provider who accepts your plan. Others are HMOs, which have their own network of doctors.
There is a wide variety of services included in some Advantage Plans. Some include a Medicare Part D Prescription Drug Plan, or a gym membership.
There are usually no medical questions when applying for and Advantage Plan. Most people 65 or over are eligible.
With all the variables, it’s easier to understand if we can talk about the plans.