Will a Medicare Advantage plan cost me more if I have a pre-existing condition or if I smoke?
The short answer is no. Medicare Advantage plans are not allowed to medically underwrite, which means they cannot charge you more or decline your coverage for any pre-existing condition. They also cannot charge you more if you are a smoker. In fact, they are not allowed to ask you any health questions when you are […]
Are covered benefits and cost-sharing requirements under Medicare Advantage plans the same thing?
Covered benefits and cost-sharing for Medicare Advantage plans are two very different things. Covered benefits are a list of specific services, tests, etc., that are covered by your Medicare Advantage plan. All Medicare Advantage plans must cover at a minimum the same benefits provided by Original Medicare Parts A & B. They also frequently include […]