Medicare Advantage Plans combine Medicare Part A and Part B coverage, and are available in most areas of the country. A beneficiary must have both Medicare Part A and Part B to join a Medicare Advantage Plan, and the individual must live in the plan's service area. Medicare Advantage Plan choices include regional preferred provider organizations (PPOs), health maintenance organizations (HMOs), private fee-for-service plans and others. A PPO is a plan under which a beneficiary uses doctors, hospitals, and providers belonging to a network; beneficiaries can use doctors, hospitals, and providers outside the network for an additional cost. Under a Medicare Advantage Plan, a beneficiary may pay lower copayments and/or Part B premiums, and receive extra benefits. Most plans include prescription drug coverage (Part D). Advantage Plans are managed by private insurance companies approved by Medicare.
The monthly Part C premium can be deducted from railroad retirement or social security benefits paid by the RRB, if the beneficiary contacts his or her Part C plan and requests that the RRB withhold Part C premiums. To learn more about Medicare Advantage Plan coverage and costs, visit Medicare.govor call 1-800-MEDICARE.