Updated: Mar 23, 2023
Medicare Advantage plans, also known as Part C plans, offer an alternative to traditional Medicare coverage. These plans are provided by private insurance companies that are approved by Medicare, and they often provide additional benefits beyond what Original Medicare covers.
One of the major advantages of Medicare Advantage plans is the additional benefits that are available, including dental, vision, over-the-counter (OTC) medications, hearing aids, papa pals, gym membership and even grocery benefits. These benefits come at no additional cost to you as a member of the plan. Benefits vary depending on which plan you choose, so talk to us about what additional benefits are important to you so we can find the right plan for you.
Dental Benefits
Dental health is an important aspect of overall health, and Medicare Advantage plans often offer additional dental benefits beyond what Original Medicare provides. These benefits may include coverage for routine cleanings, X-rays, and other basic dental services. Some plans may also offer coverage for more extensive dental procedures, such as fillings, crowns, dentures and even implants.
Vision Benefits
Vision care is another important aspect of overall health. These benefits may include coverage for routine eye exams, glasses, and contact lenses. If you need cataract surgery, it would be covered under your medical benefit.
Over-the-Counter (OTC) Benefits
Many Medicare Advantage plans offer OTC benefits, which allow beneficiaries to purchase certain non-prescription medications and health-related items without a prescription. These benefits may include coverage for items such as pain relievers, vitamins, bandages, toothpaste and other health-related products.
Hearing Aid Benefits
Hearing loss is a common health concern among seniors, and Medicare Advantage plans may offer additional benefits for hearing aids.
Papa Pals Benefits
Papa Pals is a service that connects older adults with companionship and assistance services. Some Medicare Advantage plans offer coverage for Papa Pals services, which can provide seniors with additional support and social interaction. Our clients have loved having this benefit for friendship, transportation, home tasks and technology help. They can chat, play board games, watch a movie, take a walk with you, meal prep, take you to doctor appointments, and even help you set up your new smart phone.
Grocery Benefits
Some Medicare Advantage plans offer grocery benefits, which allow beneficiaries to purchase groceries and other household items. These benefits can be especially helpful for seniors on a fixed income, who may struggle to afford basic necessities.
Virtual Visits
Many Medicare Advantage plans may offer virtual doctor visits as a convenient alternative to in-person appointments. With virtual visits, beneficiaries can consult with healthcare providers using their computer or mobile device, without having to leave their home. This can be especially helpful for seniors who have mobility issues or live in rural areas with limited access to healthcare providers. Virtual visits can be used for a wide range of medical concerns, from routine checkups to urgent care needs. Some Medicare Advantage plans even offer 24/7 access to virtual care, ensuring that beneficiaries can get the medical attention they need at any time. Overall, virtual doctor visits are a valuable benefit that can help seniors stay connected to their healthcare providers and get the care they need, when they need it.
Gym Membership
In addition to the extra benefits mentioned above, some Medicare Advantage plans also offer gym memberships as an added benefit. Staying physically active is important for overall health and wellness, and having access to a gym can make it easier to stay active. These plans may offer access to a variety of fitness facilities, such as gyms, yoga studios, rec centers and swimming pools. Some plans may even provide discounts on personal training sessions or group exercise classes.
Medicare Part B Rebates
Some Medicare Advantage plans may also offer rebates on Part B premiums. Part B is one of the two parts of Original Medicare. The premium for Part B is usually deducted from a beneficiary's Social Security check. The Part B rebates will reduce the amount you owe for your Part B premium. If you're looking for ways to save money on healthcare costs, a Medicare Advantage plan with a Part B premium rebate may be worth considering.
Chiropractic Care
Some Medicare Advantage plans also offer coverage for chiropractic care. Chiropractic care can be especially helpful for seniors with chronic back pain or other musculoskeletal conditions, and having access to this type of care as an added benefit can be a valuable resource for maintaining overall health and wellness.
Diabetes Management
Many Medicare Advantage plans offer coverage for diabetic insulin and supplies, which can be a crucial benefit for beneficiaries living with diabetes. This coverage includes coverage for your insulin, test strips, and other supplies needed for monitoring and managing blood sugar levels. Some plans may also offer access to diabetes education programs, which can provide beneficiaries with the knowledge and tools needed to manage their condition effectively. With access to diabetic insulin coverage and supplies, beneficiaries can take steps to manage their diabetes and prevent complications that can arise from uncontrolled blood sugar levels. If you have diabetes or are at risk for developing the condition, be sure to check with your local agent at Utah Avenue to see what coverage options are available to you.
Delivered Meal Benefit
Some Medicare Advantage plans also offer a meal benefit after a hospital stay. This benefit can help beneficiaries maintain their strength and overall health during the recovery period following a hospitalization or stay at a skilled nursing facility. In some cases, the meals may be tailored to specific dietary needs, such as low-sodium or low-fat options. By providing access to nutritious meals, this benefit can help ensure that beneficiaries have the energy and nutrients needed to recover fully from their hospital stay. If you're concerned about how to maintain proper nutrition after a hospitalization, be sure to check with your Medicare Advantage plan provider to see if this benefit is available.
Overall, Medicare Advantage plans offer a range of additional benefits that can help seniors stay healthy and independent. If you're interested in a Medicare Advantage plan, it's important to do your research and compare the different options available in your area. A local agent at Utah Avenue Insurance can help you compare plans and find one that works for you. We can help you enroll in a plan that offers the benefits that are most important to you, and make sure you understand the costs and restrictions associated with each plan. With the right Medicare Advantage plan, you can enjoy additional benefits and peace of mind knowing that your healthcare needs are covered.