什麼是醫療保險的最佳優勢計劃？
什麼是醫療保險的最佳優勢計劃？
 There is no "best" Medicare Advantage plan. Benefits and premiums vary by zip code and from year to year. The "best" plan is the one that fits your needs and budget. Medicare Advantage plans are similar to traditional major medical plans in that they have copay's and deductibles. But the difference stops there. Most Advantage plans have networks. Some networks are local while others are regional. Some Advantage plans only include coverage if you are treated by a network provider while others will include out of network coverage but with a higher (and usually separate) deductible, higher copay's and higher out of pocket. Exceptions are made to the out of network penalty for true medical emergencies. Make sure you understand all details of the policy, especially your out of pocket maximum. The out of pocket limit does not include non-network benefits or Rx. It also does not include any non-covered medical treatment. In most areas less than half the doctors accept ANY Medicare Advantage plans. Even if your doctor does accept Advantage patients they may not participate in your particular plan
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