MEDICARE ADVANTAGE

Medicare Advantage

Medicare Advantage

To: The executive director of an AARP

Date: 24th November, 2011

Priority: High

Medicare Advantage plan offers significant advantages to the citizens of the country, because it offers exceptional services to its clients, according to their needs and requirements. Some of them may require assistance for their continuing assistance, while others require treatment as a daily routine. There are different Medicare Advantage plans offered in Queens county New York. These plans are based on the fact that they provide the basic requirement and treatment of their health care, while they have to pay some extracharges for any extra treatment and benefit they took from these health care programs. These programs differ with each other in terms of services and cost. It offers a great facility for you to avail, which will not only provide quality services, but will also be available at lower cost (Akhtar, 2002).

In line with the advantages presented by health care plans, enrollment in these health care programs have been witnessing a rise, which is benefiting the overall society and citizens of the New York City. Medicare Advantage increased by 5.7% from 2009 to 2010.

Medicare Plans offered by different companies are based on monthly premiums, that are based on the usage of the services offered by these Medicare Advantage Plans. The MA plan offered in New Yoirk, is also referred as Part 'C' or 'MA' plans. They are run by approved private insurance companies like QHP. It provides services to patients on the basis Hospitalization (part A) and medical benefits (part B). It also includes other coverages like prescriptions (part D).

There are a variety of plans available, which you can choose according to your preferences.

Medicare Advantage Plans In Queens County New York

HMO plans

The HMO plans offers various benefits including inpatient and outpatient services, maternity care, physician services, preventive health services, x-ray services, and emergency services. You can choose your program according to prescription benefit.

The plans offered by HMO plans include diagnostic screening for prostate cancer for men. It also covers health care for home, upto 40 post-surgical and post-hospital visits in a calendar year. The hospitalization services include services of general nursing care, specific diets and miscellaneous hospital services. It also includes diagnostic and treatment services. It also covers the outpatient surgical facility charges according to the covered surgical procedure. In order to avail all such services, it is important for the patient to go through Pre-admission testing (Centers for Medicare and Medicaid Services, 2009).

If the client uses a package with drug coverage, it will have to bear expenses of $100. The hospital charges of a day are $500. The maximum premium or the benefit that an individual can avail is $3,000. It does not cover mental health services, Alcohol treatment services, Chiropractic coverage, Hospice care. Moreover, this basic package do not include dental care, vision and ambulance.

PPO plan

Preferred Provider Organization is a group system managed by insurance company. Heatlh Care organizations and personals including Physicians, health care providers, ...