Does the government want me to sign up for a Medicare Advantage Plan?

I’ve been asked this question several times by those on Medicare. In fact no, the government is not requiring or pressuring anyone to sign up for a plan. They have created these plans which are run by private insurance companies, as an option to the Original Medicare Plans.  Deciding to sign up for one of the Medicare Advantage Plans is completely your choice.

The government does have rules which govern marketing of Medicare Advantage Plans. One thing which is specifically forbidden is telling people that the government wants them to sign up for a plan. Further the government does not endorse any plan, or suggest that you pick one over the other.  This goes for the Medicare Drug plans as well as the Medicare Advantage Plans. These marketing rules are intended to help protect Medicare beneficiaries from those who only care about pushing thru a sale instead of helping the beneficiary make the best choice based on their needs.

For those who do choose a Medicare Advantage plan they should know they still have all the rights and responsibilities associated with having Original Medicare.  You will still have Medicare, however instead of the government paying the bills for your care, your Medicare Advantage plan and you share in the cost of your care.  With most Medicare Advantage Plans you will need to remain within the network of providers maintained by the Medicare Advantage Plan, although some are actually set up with open networks allowing any Medicare physician to see you as an “in-network” provider.

Be sure you understand the Medicare Advantage plan before signing up, or consider taking a Medicare Supplement Plan and a Drug Plan along with your Original Medicare.  Also remember the government does not force anyone onto the Medicare Advantage plans.

For expert advice in selecting the right Medicare Supplement Plan in Texas give us a call.