If you’ve turned on the television lately, you’ve likely seen advertisements for getting a Medicare Advantage Plan in Camdenton. Although these commercials are valuable for shining a light on the availability of advantage plans, they often leave more questions than answers.
Medicare is overwhelming on its own. Navigating it without any context can feel daunting. Perhaps that’s why many people call our office and ask something to the effect of, “Am I missing out on something with my medicare, and do I need a Medicare Advantage Plan here in Camdenton?”
In more cases than not, our answer is yes. Yes, you are missing something in your plan. And yes, we want to help you fill that gap and get the coverage that’s available to you.
What is a Medicare Advantage Plan?
It’s important you know that you’re not just limited to original Medicare. You have several options when it comes to Medicare. One of those options is a Medicare Advantage Plan.
Medicare Advantage Plans are alternatives to traditional medicare. They’re often used to obtain additional benefits, such as dental, vision, or hearing, at no additional cost.
Medicare Advantage Plans will often cover you for routine dental care and preventative services with in-network dentists. Some plans will also offer a $0 copay for this care. For more advanced care, you might be eligible for an additional low monthly premium to cover other services, such as fillings, crowns and bridges, extractions, root canals, and implants.
Original Medicare plans do not cover eye exams or vision. With Medicare Advantage Plans, you will be eligible to receive annual routine eye exams and a yearly allowance for eyeglasses or contact lenses. You might also be qualified to receive discounts on other services, such as laser vision correction.
Medicare Advantage Plans often provide the best hearing benefits out of all of the Medicare plans available. These plans include hearing exams and hearing aids.
Quarterly Over-the-Counter Products
If you need over-the-counter products, your Medicare Advantage Plan will often give you an allowance of up to $50 in free products per quarter. These products can include items, such as vitamins, supplements, incontinence supplies, and diabetic supplies. You might even be able to get these items delivered right to your home.
Can the program actually be free?
Here’s the best part about Medicare Advantage Plans — you can get this supplemental insurance plan for a $0 per month premium. That means that you will not have to pay out-of-pocket to receive steep discounts and additional benefits when you enroll.
Do I Have to Get a Medicare Advantage Plan in Camdenton?
The place where you obtain your Medicare Advantage Plan matters. We offer plans specifically for the Lake of the Ozarks region. If you live in Camdenton, you’ll be able to receive non-emergency medical care in our service area from a specific network of providers and limit the amount you’ll have to pay out of pocket for hospital and medical coverage.
Getting Started With a Medical Advantage Plan in Camdenton
To get started with a Medicare Advantage Plan, you must contact a broker to see if you qualify for one of these programs. At McGrath Insurance Group, we work closely with a variety of providers. Those close connections will ensure that you enroll in the best plan for your specific needs. Call us today at 573-346-7224 to schedule an appointment to see if you qualify and to learn more about the options available to you.