Medicare Advantage health insurance in West Orange NJ is a type of health care plan that is
available for purchase from a private company. That company contracts with Medicare in
order to offer you all of the benefits of Medicare Part A and Part B. Medicare Advantage
health insurance in West Orange NJ includes preferred provider organizations, health
maintenance organizations, special needs plans, and private fee-for-service plans.
Medicare Advantage plans have low monthly premiums. In fact, some do not charge a
monthly premium at all. In addition, some provide additional benefits that are not covered
by Original Medicare.
Know Your Options
Before you purchase your plan, check with your health care providers to make sure that they
will accept it. You will also need to find out if you will be required to get a referral before you
can see a specialist.
If you spend part of the year living in another state, make sure you are still going to be
covered by the plan. Some plans require the use of regular services within a specific service
area, except in the event of an emergency. The service area is typically the specific county
where you live within the state.
You will need to find out about the monthly premiums for the plan. You should also find out
about any copayments for a variety of services, out-of-pocket limits, and the cost to use
providers that are not inside the network.
If you live in a nursing home, receive long-term care, or you have Medicaid, you may qualify
for special needs plans if they are available in your area. If you choose any other type of Medicare Advantage health insurance in West Orange NJ, make sure that the in-network
providers included in the plan are certified to accept Medicaid. You will also want to find out
if the in-network health care providers are going to be able to send the bill to the plan
correctly or refer to Medicaid providers whenever necessary.
If you need help deciding which Medicare Advantage health insurance in West Orange NJ is
best for you, we are here to help at The Sosa Insurance Group. For more details, visit us at