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Saturday, September 26, 2009

Michigan National Medicare Plans From Easy Medicare Advantage

By William Marks

Health plans approved by the federal government and run by private companies are called Michigan Medicare Advantage Plans. These are referred to as Medicare Part C. This is not supplement insurance and you must follow rules set by Medicare.

Medicare Advantage Plans provide benefits equal to those in Medicare Part A and Medicare Part B. Medicare Advantage Plans can charge different co-payments, coinsurance and deductibles for the services. All Medicare Advantage plans must cover all medically necessary services that the original Medicare does.

Michigan Medicare Advantage Plans may offer added benefits such as vision, hearing, dental and health and wellness programs. Most will include prescription drug coverage for an additional cost.

In the original Medicare or the original Medicare with a Medigap policy have higher premiums or the cost of services (co-pays and deductibles). Medicate Health Plans have different cost of services and charge different premiums. This is something you might want to check into before you join.

Health Maintenance Organization (HMO) offers for doctor visits and no deductibles low to no co-payment. You must receive a referral from your Primary Care Doctor before you can see a specialist. Also, to receive full benefits you have to use doctors and hospitals within your network.

Low co-pay slightly higher than a HMO is offered by Preferred Provider Organization (PPO) plans. These plans allow freedom of choice when it comes to picking your doctor or hospital as long as they are in your network.

More flexibility is offered by the Private Fee for Service (PFFS) plans. These plans allow you to choose any doctor or hospital because there is no provider network. Except for emergencies, your doctor or hospital must accept the plans conditions prior to treating you.

Medical Savings Account " This is a very popular option. This plan combines a high deductible health plan with a medical savings account. The government will put money in this account, which you can use to pay your deductible or other out-of-pocket medical expenses such as dental, eyeglasses. - 23211

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