Do You Need Medicare Part B with an Advantage Plan?

Understanding Medicare Part B and Advantage Plans

Medicare can be a confusing topic, especially when it comes to deciding if you need Medicare Part B along with an Advantage Plan. At Bourgeois Insurance Agency, LLC, located in Thibodaux, Louisiana, we want to help make these decisions easier for you. 

Learn About Medicare Part B

Medicare Part B is a part of Original Medicare. It helps cover medical services like doctor's visits, outpatient care, and some preventive services. Generally, when you enroll in Medicare, you're signing up for both Part A and Part B. Knowing how Medicare Part B coverage works is important as it may affect your health care decisions and costs.

What Is a Medicare Advantage Plan?

A Medicare Advantage Plan, also known as Part C, is an alternative to Original Medicare. These plans are offered by private insurance companies and cover everything that Original Medicare does, and often include extra benefits such as vision, dental, and drug coverage. Learning how these plans work can help you decide if they are right for you.

Do You Need Part B with an Advantage Plan?

If you're considering a Medicare Advantage Plan, you might wonder if you also need Medicare Part B. Generally, you must be enrolled in both Part A and Part B to join a Medicare Advantage Plan. This is because Part B covers essential services that are usually included in Advantage Plans.

Benefits of Enrolling in Medicare Part B

• Helps pay for necessary medical services and supplies.

• Covers outpatient care and preventive services.

• Allows you to join a Medicare Advantage Plan.

By having Part B coverage, you'll ensure that you receive comprehensive health care, whether you choose to stick with Original Medicare or decide to join a Medicare Advantage Plan.

Medicare Part B Costs

When you enroll in Medicare Part B, you’re responsible for a monthly premium. The cost may vary based on your income and the coverage you choose. It's important to learn about these costs to avoid any surprises in your budget.

How to Sign Up for Part B and Join a Medicare Advantage Plan

To start, you'll need to enroll in Medicare Part B during your initial enrollment period. Once you have Part B, you can choose to join a Medicare Advantage Plan that suits your needs. Remember, you can switch plans during the Medicare Advantage Open Enrollment Period if you find a better fit later on.

Should You Buy a Separate Medicare Drug Plan?

Some Medicare Advantage Plans include drug coverage. If your plan doesn't cover prescriptions, you might need to join a separate Medicare drug plan to help pay for your medications. Understanding your health needs will guide you in deciding whether to get additional drug coverage.

Medigap: Do You Need It with a Medicare Advantage Plan?

Medigap, or Medicare Supplement Insurance, helps pay some of the costs that Original Medicare doesn't cover. However, if you have a Medicare Advantage Plan, you can't use a Medigap policy to cover any out-of-pocket expenses. It's crucial to consider your health coverage needs carefully before making a decision.

We're Here to Help

Choosing the right Medicare Plan can be challenging, but you don't have to do it alone. At Bourgeois Insurance Agency, LLC, we're here to help you make informed decisions about your health coverage. To learn more, join us for a consultation, or to discuss your Medicare options, please contact us at (985) 803-8999.

We look forward to helping you secure the best coverage for your needs!