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Medical Advantage plans are supplementary health insurance for people who already have Medicare Part A (hospital) and B (optional medical insurance). They are generally of the following formats:
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Because it is part of the reform under the Medicare Prescription Drug, Modernization and Improvement Act (MMA) passed by Congress in 2003, Medicare Advantage plan providers are subject to laws enforced in its state of coverage as well as the federal government.
States such as Tennessee reserve the right to license an Medicare Advantage plan provider, as well as determine the guidelines for said licensure within its area of responsibility based on state laws, but laws established by the Centers of Medicare and Medicaid Services (CMS) under federal law such as unacceptable marketing practices for Plan C or D* under Medicare Marketing Guidelines are enforced by the CMS under federal government decree. States may report such violations to the CMS but may not take any other action against the alleged transgressor. For providers who are found to contravene state or federal laws, approval from the Medicare system can be withdrawn. If there is any indication of illegal or unscrupulous practice by the service provider, complaints may be reported to 1-800-MEDICARE.
Tennessee residents can choose from some or all of 72 Medicare Advantage plans depending on their area. Three Medicare Advantage plans with prescription drug coverage with no monthly premiums include:
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AARP
Advantra
Aetna
AmeriChoice
AMERIGROUP
Blue Cross
Cariten Senior Health
CIGNA
WellCare
Evercare
SecureHorizons
Fresenius Medical Health Care Plan
HealthSpring
Humana
UniCare
Sterling Options
HealthMarkets Care Assured
Today’s Options
UAHC Gold
Unison Advantage
Windsor Medicare
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* You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call:
1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day/7 days a week;
The Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY/TDD users should call, 1-800-325-0778; or Your State Medicaid Office
Dental or vision options can be added to your
coverage.
Living longer means paying more for health care.
A woman who retires at 65 can expect to maintain her health until the age of 84, on average.2
Men who expect high health costs after they turn 65 end up retiring – on average – 13 months later than those who don't.3