• All-in-One Coverage: Medicare Advantage plans (Part C) often include coverage for hospital stays, doctor visits, prescription drugs, and additional benefits like dental, vision, and hearing services, providing comprehensive healthcare coverage in a single plan. • Predictable Costs: Medicare Advantage plans typically have annual out-of-pocket maximums, limiting the amount beneficiaries have to spend on healthcare services in a given year and providing greater financial predictability. • Additional Benefits: Many Medicare Advantage plans offer extra benefits not covered by Original Medicare, such as gym memberships, wellness programs, and transportation services, enhancing the overall value of the plan. • Network Restrictions: Medicare Advantage plans often have provider networks, and beneficiaries may be required to use network providers to receive full coverage for services, potentially limiting choice and flexibility in healthcare providers. • Prior Authorization Requirements: Some Medicare Advantage plans may require prior authorization for certain services, procedures, or medications, which can delay access to care and require additional administrative steps. • Service Area Limitations: Medicare Advantage plans may have service area limitations, meaning beneficiaries may not have coverage if they move or travel outside of the plan's designated service area. Pros Cons 6.2 Pros and Cons of Medicare Advantage Chapter 6: Comparing Original Medicare vs. Medicare Advantage 202404PMED1MDSIMPLE 17 www.Postal-Service-Health-Benefits-Program.com
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