What Medicare Advantage Plans Cover And How They Can Save You Money

What Medicare Advantage Plans Cover And How They Can Save You Money

If you’re a Medicare recipient and also eligible for additional healthcare coverage, then you may be interested in signing up for a Medicare Advantage plan. Rather than dealing with the standard Medicare program, which only covers hospital and doctor visits as well as other standard services, a Medicare Advantage plan offers an alternative that can provide you with more comprehensive care.

It covers comprehensive care that is not covered by your basic version of Medicare. These plans can offer extra benefits such as vision care, dental coverage, and prescription drug assistance. When signing up for a particular plan, it’s important to understand what it covers so you are making an informed decision.

Prescription Medication Coverage

If you select a Medicare Advantage plan that covers prescription medications, then you will receive assistance with your costs. This assistance may come in the form of a reduction in your co-pay or coverage of your out-of-pocket costs for prescriptions. It’s important to note that these plans do not cover all medications, so you should make sure your prescriptions are covered before signing up for a particular plan.

Vision Care Coverage

If you are interested in obtaining vision coverage as part of your Medicare Advantage plan, you can do so. These plans will not only provide you with vision assistance but may also offer discounts that can lower the cost of your glasses or contacts. Your plan will likely have a vision assistance option that will either offer you a set dollar amount or a set percentage off of your purchases.

Vision assistance is often offered as a separate plan, so you can opt-out of it if you prefer using your standard Medicare coverage for vision care. Medicare does cover eye exams and some types of vision assistance, including eye donations and help with purchasing glasses.

It does not cover vision insurance plans. If you do select a vision assistance plan with your Medicare Advantage plan, you should know that most plans have an annual or lifetime cap on how much assistance they provide.

Dental Coverage

Dental coverage for Medicare Advantage Plans varies widely, so you should keep this in mind when choosing a plan. Some plans cover basic dental care, such as cleanings and X-rays, while others offer more extensive coverage, including procedures like root canals, fillings, and oral surgery.

Co-Pay And Deductible Protection

If you are dealing with high out-of-pocket costs or have a large deductible, you’re unable to cover, then a Medicare Advantage plan that offers co-pay and deductible protection can be a huge help. These plans will help you cover your costs for things like prescription drugs, doctor visits, and other services covered by Medicare.


As you can see, Medicare Advantage plans offer a variety of benefits that are not a part of the standard Medicare plan. Depending on your health needs, these plans can provide you with more comprehensive coverage that can help you save money and avoid additional out-of-pocket expenses. Make sure to do your research before signing up for a plan to ensure you are getting the coverage you need.

Skye Marshall

Ivy Skye Marshall: Ivy, a social justice reporter, covers human rights issues, social movements, and stories of community resilience.