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A type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Advantage Plans provide all of your Part A and Part B benefits, with a few exclusions, for example, certain aspects of clinical trails which are covered by Original Medicare even though you're still in the plan.
Medicare Advantage Plans include:
- Health Maintenance Organizations
- Preferred Provider Organizations
- Private Fee-for-Service Plans
- Special Needs Plans
- Medicare Medical Savings Account Plans
If you're enrolled in a Medicare Advantage Plan:
- Most Medicare services are covered through the plan, rather than original Medicare
- Most Medicare Advantage Plans offer prescription drug coverage
- Medicare Advantage Plans typically have networks of providers in most cases, you'll need to use health care providers who participate in the plan's network. These plans set a limit on what you'll have to pay out-of-pocket each year for covered services. Some plans offer non-emergency coverage out of network, but typically at a higher cost.