Medicare Advantage: 9 Important FAQs Answered

There’s a lot to know when enrolling in Medicare coverage, and we understand the process can be confusing and overwhelming. Here we answer common questions about Medicare Advantage plan coverage and potential benefits to help you choose the right option for you.

What is Medicare Advantage?

Also known as Part C, Medicare Advantage plans are offered by private insurance companies and include Part A (hospital insurance) and Part B (medical insurance) coverage. These types of plans can also include additional benefits* such as lower copays, prescription drug coverage, fitness programs and no deductibles. Check with the plan before you enroll to see what benefits it offers, if you might qualify, and if there are any limitations for you to consider.

Does Medicare Advantage replace Medicare?

No. Under a Medicare Advantage plan, you receive Medicare Part A and Part B, as well as the rights and protection of original Medicare. Some Medicare Advantage plans can also include drug coverage (Part D).

Are all Medicare Advantage plans the same?

No. Plans differ when it comes to out-of-pocket costs, which doctors are in-network, benefits* and more. Learn more about what Medicare Advantage Plans cover.

Does Medicare Advantage cover screenings and preventive care?

Yes. A Medicare Advantage plan focuses on preventing disease and keeping you healthy with preventive care. Ochsner shares this commitment to caring for you. We offer a wide range of primary medical care and health screenings across our Ochsner locations.

Will my plan cover me when I travel?

Medicare Advantage plans can provide coverage when traveling overseas to fill the gap in coverage by original Medicare. In most cases, original Medicare only covers you when traveling within the United States and its territories.

What are the costs associated with Medicare Advantage plans?

There are several factors that impact what you pay out-of-pocket in a Medicare Advantage plan. Some plans only cover services from providers inside their network and dedicated services area. Learn from medicare.gov about these factors and how to get cost details.

When can I enroll in a Medicare Advantage plan?

The initial Medicare enrollment period lasts seven months. You can sign up for a Medicare Advantage plan three months before you turn 65, the month of your 65th birthday and for three months after you turn 65. The open enrollment period is from Oct. 15 – Dec. 7 each year, where you can join, switch or drop a plan, and your coverage will begin on January 1 if you get your request in by December 7. For more information, visit medicare.gov.

Which Medicare Advantage plans does Ochsner Clinic accept?

Ochsner Clinic accepts several health plans that offer several Medicare Advantage plans in Louisiana: Blue Cross and Blue Shield of Louisiana, Humana, and Peoples Health, A United Healthcare Company. Patients with traditional Medicare and Medicare supplement plans can also receive care at Ochsner. 

View a list of all accepted insurances at each Ochsner facility.

Why should I choose an Ochsner-accepted plan?

As the largest health system in the region, Ochsner gives you access to a network of expert providers in over 90 specialties, and our numerous convenient locations ensure you’ll find one close to home. Plus, all Ochsner doctors will be considered in-network. When you receive all your care at Ochsner, you can trust that your team is working from a single medical record to understand your needs.

How can MedicareOnDemand help me choose the right Medicare Advantage Plan?

MedicareOnDemand, serviced by MedicareCompareUSA, a licensed insurance agency, no-obligation resource that connects you with licensed insurance agents who can guide you through every step of selecting the right plan for your needs. MedicareOnDemand can assist you with comparing plans, support from licensed agents, educational resources, annual plan reviews and travel coverage guidance. By using MedicareOnDemand, you can feel confident in your Medicare Advantage plan selection, knowing it aligns with your healthcare needs and includes your trusted providers. Visit MedicareOnDemand.com/Ochsner or call toll-free 855-673-4217, TTY 711 (Monday-Friday 8 a.m.-7 p.m.) to get started today.