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Medicare Advantage
(Part C)

About Medicare Advantage

  • Medicare Advantage plans are offered by private insurance companies and are an alternative choice than staying in Original Medicare.

  • Medicare Advantage plans cover almost all of Part A and Part B benefits.  

  • Medicare pays a set amount for your coverage every month to companies offering a Medicare Advantage Plan.

  • Sometimes these Plans can offer addition benefits.

  • Some Medicare Advantages include or bundle in your Part D.

  • There are around 6 different types or styles of Medicare Advantage Plans.

  • There are specific times when you can enroll in Part C.

Medicare Advantage in Wyoming

  • Wyoming does have Medicare Advantage Plans, but they are some what limited compared to other States.

  • The two most prominent types of Medicare Advantage Plans in Wyoming are a PFFS and MSA.

  • It all depends on the county that you live in on what Medicare Advantage plans are available for you.

Private Fee-for-Service Plan (PFFS)

  • PFFS plans are not the same as Original Medicare or Medicare Supplements.

  • You will still need to be enrolled in Part A and Part B, and also continue to pay your Part B premium along with any premium for your PFFS plan.

  • These plans commonly offer a Part D plan, and if they don't you can sign up for a stand alone Part D plan.

  •  These plans determine how much they will pay for your health care visits, and how much you must pay when you get care.  

  • You can go to any Medicare-approved health care provider that accepts the plan's payment terms and agrees to treat you. Not all doctors have to accept the plan.​

Medicare Medical Savings Account (MSA)

  • You will still need to be enrolled in Part A and Part B, and also continue to pay your Part B premium.  MSA plans do not have a premium to pay.

  • MSA plans do not offer Part D.  If you want a Part D plan, you can purchase a standalone Part D plan.

  • MSA plans typically don't have networks.

  • MSA plans have two parts. 

  1. The first part of a MSA plan is its high deductible.  Once the high deductible is paid, the MSA plan kicks in and covers all other Medicare approved cost.​​

  2. The second part is an unique type of savings account.  The plan provider deposit an amount of money each year into your account, which can be used to help pay the deductible.  If you do not use all of the money that was deposited in your account, it will carry over to the next year.

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