Medicare Advantage plans are one of the four parts of Medicare. These plans are sometimes called "Part C" or "MA Plans". Medicare Advantage plans are not supplemental insurance.
Medicare Advantage plans are approved by Medicare and offered by private companies. Medicare Advantage plans provide your Medicare benefits and often Medicare drug coverage. Medicare pays a fixed amount for your care every month to the companies offering Medicare Advantage plans. These companies must follow rules set by Medicare.
Medicare Advantage plans provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. This means that Medicare Advantage plans cover at least all of the services that original Medicare covers.
Medicare Advantage plans often provide extra coverage, such as vision, hearing, and health and wellness programs. Most include Medicare prescription drug coverage. With Medicare Advantage plans, you sometimes need a referral to see specialists. Some Medicare Advantage plans have provider networks. In some cases, this means you can only see doctors who belong to the plan or go to certain hospitals to get covered services (other than for emergency or urgently needed care or medically necessary dialysis).
In some Medicare Advantage plans, if you see a doctor or other provider who doesn’t contract or participate with the plan, your services may not be covered at all, or your costs will likely be higher.
KelseyCare Advantage is a Medicare Advantage Health Maintenance Organization (HMO) with a Medicare contract. KelseyCare Advantage is NOT a Medicare supplement, and it does NOT replace original Medicare.