Who Qualifies for Medicare Advantage Plans?
Medicare Advantage eligibility is the same as Original Medicare. However, with a Medicare Advantage plan, you must live in the plan’s service area. Original Medicare is accepted nationwide.
Under the federal Medicare program, seniors choose how they want to receive their Medicare benefits:
Another part of your Medicare coverage is Medicare Part D, which covers prescription drugs. With Original Medicare, you must buy a separate prescription drug plan. However, many Medicare Advantage plans include Part D coverage, one reason Advantage plans are increasingly popular.
Each insurance company offering Medicare Part C plans is approved and regulated by the federal government. Some Medicare Part C plans require a monthly premium in addition to your Part B premium.
How to Determine Medicare Advantage Eligibility
If you qualify for Original Medicare, then you qualify for a Medicare Advantage plan. Because Medicare Part C is simply another way to receive your Medicare benefits, eligibility requirements include enrolling in Part A and Part B.
Medicare eligibility requirements also include meeting one of the following conditions:
- You are 65
- You have ESRD (end-stage renal disease)
- You have ALS (amyotrophic lateral sclerosis)
- You are disabled and receive either Social Security (SS) or Railroad Retirement (RR) disability benefits
If you qualify for and are receiving SS or RR benefits, you’re automatically signed up for Medicare. However, you’ll have to sign up through a Social Security office or online if you aren’t already receiving benefits.
Medicare Part A Enrollment
You won’t pay for Medicare Part A if you or your spouse worked enough hours to qualify for Social Security or Railroad Retirement or if you’re a government employee who’s paid into Medicare.
Part A is hospital insurance that covers these services:
- Inpatient care
- Skilled nursing in a care facility
- Nursing home care
- Home health care
Medicare Part B Enrollment
Medicare Part B is medical insurance that covers doctors’ visits and other outpatient services such as the following:
- Durable medical equipment
- Ambulance transportation
- Preventive care
- Laboratory tests
Remember that even though you meet the requirements for Medicare eligibility, Medicare doesn’t pay 100% of your costs. You’ll have coinsurance, deductibles, and copayments for Medicare Part A and Medicare Part B. Medicare beneficiaries who are low-income or eligible for Medicaid might qualify for extra help paying these out-of-pocket costs.
Who Doesn't Qualify for Medicare Advantage?
Every Medicare-eligible individual qualifies for Medicare Advantage.
There are, however, a few circumstances that can cause disqualification from Medicare Advantage:
- If you stop paying your Part B premium
- If you have Medicare Supplement Insurance
- If you don’t live in the plan’s service area
How Do I Enroll in a Medicare Advantage Plan?
In addition to Medicare Part A and Medicare Part B benefits, Medicare Advantage plans frequently offer additional benefits such as gym memberships and routine dental or vision care.
Plan options include:
- HMO (Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- SNP (Special Needs Plans)
Eligibility requirements for Advantage plans require beneficiaries to live in the plan’s service area. So if you live in different parts of the country during the year, ask the insurance company if you’re covered in both locations.
You can join Medicare Advantage during one of the following enrollment periods.
Initial Enrollment Period
Your Initial Enrollment Period begins when you first meet the requirements for Medicare eligibility.
- Lasts for seven months
- Starts three months before your 65th birthday
- Includes your birthday month
- Ends three months after your 65th birthday
Annual Enrollment Period
The Annual Enrollment Period is the same as the Medicare Open Enrollment Period.
- Runs from October 15 to December 7
- Allows you to enroll in Medicare Advantage, withdraw from Medicare Advantage, or change Medicare Advantage plans
Open Enrollment Period
If you already have an Advantage plan, you can also make changes during the Medicare Advantage Open Enrollment Period.
- Runs from January 1 through March 31
- Is when you can switch Advantage plans
- Is when you can drop Medicare Advantage and return to Original Medicare
Special Enrollment Periods
Special Enrollment Periods are for life-changing situations that occur.
Circumstances that trigger a SEP include the following:
- Moving out of your plan’s service area
- The insurance company providing your plan discontinues the plan
- Moving into or out of a nursing facility
Our insurance agents are happy to explain the eligibility requirements for each enrollment period and walk you through the process.
Our agents can help you determine when you qualify for Medicare Part C, compare costs, and navigate the maze of Medicare plans available. The following links provide additional Medicare information.
- Understanding Enrollment Periods for Medicare Advantage Plans
- Prescription Drug Coverage
- Applying for Medicare
Ready to learn more?
Choosing the right Medicare Plan is not a decision that should be taken lightly. With Policy Guide’s assistance, you will have access to the knowledge and expertise of professional agents who can help you compare different health plans, prices, and policies to ensure that you make an informed decision. Let us guide you through this process, so that your chosen plan best suits your needs.