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ON SCREEN TEXT: Medicare Moment
with Phil Moeller – author, journalist and Medicare and retirement expert
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ON SCREEN TEXT: Original Medicare vs. Medicare Advantage:
What are the key differences?
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PHIL MOELLER: Original Medicare is coverage offered by the federal government.
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ON SCREEN TEXT: Medicare Advantage (MA) offered by private
insurance companies
PHIL MOELLER: While Medicare Advantage or MA plans are offered by private insurance companies.
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PHIL MOELLER: Original Medicare includes Part A, which covers inpatient and hospital care, and Part B which covers doctor visits and other outpatient services. Many people with Original Medicare also buy a Part D prescription drug plan, from a private insurer.
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ON SCREEN TEXT: MA plans typically include Parts A, B, and D
PHIL MOELLER: People who have MA plans typically have coverage for Parts A, B, and D included in a single plan.
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PHIL MOELLER: Part B premiums are usually the same for people with Original Medicare and MA plans. There are many MA zero-dollar premium plans that charge no additional monthly premium beyond the Part B premium. Original Medicare pays eighty percent of covered outpatient costs. Many people buy private Medicare supplement plans, also known as Medigap for added protection.
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ON SCREEN TEXT: MA limits out-of-pocket spending
PHIL MOELLER: Medicare Advantage plans include limits on out-of-pocket spending.
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PHIL MOELLER: Original Medicare lets you choose any licensed provider in the U.S. who accepts Medicare. With a Medicare Advantage plan, you want to visit providers in the plan’s network to pay the lowest out-of-pocket cost and avoid charges for out-of-network care.
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ON SCREEN TEXT: Ensure provider network meets needs
PHIL MOELLER: In reviewing an MA plan, make sure its provider network meets your needs.
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PHIL MOELLER: Medicare Advantage plans typically cover things that Original Medicare does not. Like vision, dental, hearing, and fitness club memberships.
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ON SCREEN TEXT: United
Healthcare
