![]() ![]() Theseparts cover different aspects of medical care and include: When federal governmentemployees designed Medicare, they split it into several separate parts. Medicare is a federalhealth insurance program for people aged 65 years and older, as well as peoplewith certain health conditions and disabilities, such as end stage kidneydisease. If they find that a plan is not working well for them, they may be able to choose another Medicare option. ![]() However, the cost ofMedicare Advantage plans varies by geographical location.Ī person can switch from Medicare to a Medicare Advantage plan or vice versa once per year. Having to pay more out-of-pocket costs can be a disadvantage if a person requires regular medical supervision or treatment that their plan does not fully cover, such as imaging, transportation, or home care. This plan may be more suitable for a person who does not often use healthcare services. Some planseven require a person to pay only the Medicare Part B premium and $0 forprescription drug coverage. Medicare Advantage, onthe other hand, has a lower premium but higher out-of-pocket costs. A person pays a higher premium to avoid having to pay expenses later. As a result, a person may have fewer out-of-pocket costs if they become ill and need more frequent care. Medicare plans cost more, as they tend to cover more services. This is because the plans have different philosophies and support people with varying levels of medical need. ![]() Traditional Medicare and Medicare Advantage have dramatically different costs. Share on Pinterest The best Medicare plan will depend on a person’s needs. ![]()
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