Are you an older adult searching for dependable healthcare coverage through Medicare Advantage plans? These plans offer great benefits when coupled with IntuneHealth's preventive primary care, but let's not fall for the myths that might cloud your judgment. We’ve dissected several common misconceptions about Medicare Advantage, but if you want the complete picture with all 11 myths, download the IntuneHealth Guide to Medicare Advantage.

Myth 1: Medicare Advantage Plans Are Expensive

Fact: Contrary to belief, Medicare Advantage can be cost-effective with a yearly limit called the Maximum Out-of-Pocket (MOOP). Many plans even come with a $0 premium and offer superior coverage compared to Original Medicare. On average, Medicare Advantage beneficiaries save nearly $2,000 annually on out-of-pocket expenses and premiums.

When you choose a Medicare Advantage plan, you are taking a significant step towards securing your healthcare future. These plans combine several aspects of healthcare coverage, ensuring that you are not left grappling with bills you can't handle. Unlike other insurance options, Medicare Advantage plans cap the amount you spend out of pocket each year, thanks to the MOOP feature. This means you have financial predictability and won't be buried under medical bills.

Additionally, Medicare Advantage plans offer an array of extra benefits that go beyond the basics. You might find coverage for dental, vision, hearing aids, prescription drugs, and even discounts on over-the-counter medicines. Moreover, some plans provide access to value-based care, which means that you'll be attended to by doctors who are well-versed in advanced preventive medicine.

Myth 2: Limited Choice of Doctors and Hospitals

Fact: Most Medicare Advantage plans provide an extensive network of doctors and hospitals for you to choose from, much like regular health insurance. Some plans even cover out-of-network services, ensuring you're not restricted in your healthcare choices.

It's normal to want to keep your choice of doctors and hospitals. Some might believe that Medicare Advantage plans restrict these choices, but this is not entirely accurate. In most cases, Medicare Advantage plans offer a broad network of doctors and hospitals, often like what you'd find in traditional health insurance plans.

Many Medicare Advantage plans now include out-of-network coverage. This means that if you ever need to consult a doctor or visit a hospital not in the plan's network, your plan may still cover a portion or even the entire cost. This flexibility ensures that your healthcare options are not constrained by your choice of plan.

Myth 3: No Coverage for Chronic Diseases

Fact: Don't worry if you have a chronic illness like COPD, heart disease, or diabetes. Medicare Advantage plans cannot deny coverage based on your health status. Some regions even offer specialized Medicare Advantage plans called "Chronic Condition Special Needs Plans" to provide quality care for your condition at an affordable rate.

Health concerns like chronic diseases might make you skeptical about your ability to secure healthcare coverage. However, with Medicare Advantage, you can breathe easy. These plans are legally prohibited from denying coverage based on your health status, ensuring that you can receive the necessary care, even if you have a chronic condition such as COPD, heart disease, or diabetes.

In certain areas, you'll find specialized Medicare Advantage plans known as "Chronic Condition Special Needs Plans." These are designed specifically to cater to individuals with chronic illnesses. This way, you can

Myth 4: Enrolling in Medicare Advantage Is Complicated

Fact: Enrolling in a Medicare Advantage plan is a straightforward process. You have the option to do your own research and explore the various Medicare Advantage plans available in your area. This way, you can weigh the benefits and costs of each plan, considering factors such as network doctors and hospitals. If this is overwhelming, a Medicare-licensed agent can help you expertly navigate the process of enrollment.

Prioritize Your Wellness with IntuneHealth

Discover all 11 myths surrounding Medicare Advantage by downloading our exclusive Guide to Medicare Advantage! It's a comprehensive resource that ensures you're well-equipped to make a confident decision about your healthcare coverage.

IntuneHealth is a new approach to primary care for people 65+ on a Medicare Advantage plan. We specialize in caring for older adults and offer proactive, preventive primary care to keep you healthy — including walk-in visits and same-day appointments for patients — so you can spend more time living your best life.

We also offer events and programs to keep our patients healthy, active, and connected, such as yoga and cooking classes. Make sure to book a one-on-one tour of your local center, or call us today at 1 (844) 646-8863!