Virginia Medicare Advantage Health Plans for Seniors

About Medicare Advantage Health Plans in Virginia

Virginia Medicare Advantage Plans are health plan options (like an HMO or PPO) approved by Medicare and offered by private companies. These plans are part of Medicare and are sometimes called “Part C” or “MA Plans.” Medicare pays a fixed amount for your care every month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare.  Medicare Advantage Plans provide your Medicare health coverage and usually Medicare drug coverage. They aren’t supplemental insurance. Not all Medicare Advantage Plans work the same way, so find out the plan’s rules before joining.

Medicare Advantage and Medigap Policies

You don’t need to buy (and can’t be sold) a Medigap (Medicare Supplement Insurance) policy. It won’t cover your Medicare Advantage Plan deductibles, copayment, or coinsurance.

You may need a referral to see specialists. Some Medicare Advantage Plans have provider networks. In some cases this means you can only see doctors who belong to the plan or go to certain hospitals to get covered services (other than for emergency or urgently needed care or medically-necessary dialysis). In some plans, if you see a doctor or other provider who doesn’t contract or participate with the plan, your services may not be covered at all, or your costs will likely be higher. You should check with your doctors or hospital to find out if they accept the plan.

Medicare Advantage Health Plans in Virginia