Friday, January 15, 2021

Advantage Plans Deductibles

How can I avoid the Medicare deductibles? What's the MA deductibles? 

Medicare Advantage plans may or may not have a deductible. The ones that do not have a deductible are usually HMOs and the plan starts paying from day one (as long as you go "in-network). That means you have co-pays or co-insurance straight-away. This is one of MA's advantages.

Some Advantage plans have high deductibles, similar to what many people get from thru their employer. The deductibles can range from $500 to $4000 and typically there is some Part B Premium Rebate the higher the deductible. The other perk is the money you spend on healthcare will be exempt when you deposit money into and spend from a Medicare Spending Account (MSA). This is similar to Health Spending Account or Flexible Spending Account. There are contribution limits.

Medicare Spending Accounts (MSA) can be the best option for some people and those details with be in a future post.

Most Medicare Advantage Plans have a prescription coverage, and prescription coverage has its own deductibles. The deductibles will be based on medication tiers and most tier 1 will not have a deductible.

Thank you for reading. Please leave comments or follow.

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