South Carolina Medicare Advantage Plans FAQ

1. FAQs: Medicare Advantage Plans https://schealthbenefits.com/

2. Medicare Advantage Plans • Medicare Advantage Plans are a type of Medicare health plan offered by a private company that contracts with Medicare to provide all your Part A and Part B benefits. Most Medicare Advantage Plans also offer prescription drug coverage. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan. Your Medicare services aren’t paid for by Original Medicare. • Here’s some FAQs for you about South Carolina Medicare Advantage Plans. https://schealthbenefits.com/

3. Frequently Asked Questions About Medicare Advantage Plan • How to join a Medicare Advantage Plan? • Who can join a Medicare Advantage Plan? • When can I join, switch, or drop a Medicare Advantage Plan? • What if my plan decides to stop participating in Medicare? • What if I have End-Stage Renal Disease (ESRD)? • How do Medicare Advantage Plans work? https://schealthbenefits.com/

4. How to join a Medicare Advantage Plan? • Not all Medicare Advantage Plans work the same way. Before you join, take the time to find and compare Medicare health plans in your area. Once you understand the plan's rules and costs, here's how to join: • Use Medicare's Plan Finder. • Visit the plan's website to see if you can join online. • Fill out a paper enrollment form. Contact the plan to get an enrollment form, fill it out, and return it to the plan. All plans must offer this option. • Call the plan you want to join. Get your plan's contact information. • Call us at 1-800-985-8111. https://schealthbenefits.com/

5. Who can join a Medicare Advantage Plan? • You can generally join one of these Medicare Advantage plans: • Health Maintenance Organization (HMO) • Preferred Provider Organization (PPO) • Private Fee-for-Service (PFFS) • Medical Savings Account (MSA) Plan • If all of these apply: • You live in the service area of the plan you want to join. The plan can give you more information about its service area. If you live in another state for part of the year, ask if the plan will cover you there. • You have Medicare Part A and Part B. • You don't have End-Stage Renal Disease (ESRD)  https://schealthbenefits.com/

6. When can I join, switch, or drop a Medicare Advantage Plan? • How to switch: If you're already in a Medicare Advantage Plan and want to switch, follow these steps: • To switch to a new Medicare Advantage Plan, simply join the plan you choose during one of the enrollment periods. You'll be disenrolled automatically from your old plan when your new plan's coverage begins. • To switch to Original Medicare, contact your current plan, or call us at 1-800-985-8111. https://schealthbenefits.com/

7. Unless you have other drug coverage, you should carefully consider Medicare prescription drug coverage (Part D). You may also want to consider a Medicare Supplement Insurance (Medigap) policy. Remember, you may only be able to switch at certain times of the year. • If you have other coverage • Talk to your employer, union, or other benefits administrator about their rules before you join a Medicare Advantage Plan. In some cases, joining a Medicare Advantage Plan might cause you to lose employer or union coverage. If you lose coverage for yourself, you may also lose coverage for your spouse and dependents. • In other cases, you may still be able to use your employer or union coverage along with the Medicare Advantage plan you join. Remember, if you drop your employer or union coverage, you may not be able to get it back. https://schealthbenefits.com/

8. What if my plan decides to stop participating in Medicare? • At the end of the year, plans can decide to leave the Medicare Program. If your plan leaves, you'll get a letter explaining your options. • Generally, you'll be automatically returned to Original Medicare if you don't choose to join another Medicare Advantage Plan. You will also have the right to buy a Medigap policy. • No matter what you choose, you're still in the Medicare Program and will get all Medicare-covered services. If you choose to go back to Original Medicare, you need to decide if you want drug coverage. If so, you need to join a Medicare Prescription Drug Plan (Part D). https://schealthbenefits.com/

9. What if I have End-Stage Renal Disease (ESRD)? • If you have ESRD, you'll usually get your health care through Original Medicare. You can only join a Medicare Advantage Plan (Part C) in certain situations, like these: • You're already in a Medicare Advantage Plan when you develop ESRD. You may be able to stay in your plan or join another plan offered by the same company. • You’re already getting your health benefits (for example, through an employer health plan) through the same organization that offers the Medicare Advantage Plan. • You may be able to join a Medicare Special Needs Plan (SNP) for people with ESRD if one is available in your area. https://schealthbenefits.com/

10. You had ESRD, but have had a successful kidney transplant, and you still qualify for Medicare benefits (based on your age or a disability). You can stay in Original Medicare, or join a Medicare Advantage Plan. • You have a one-time right to join another plan if both of these are true: • You have ESRD and are in a Medicare Advantage Pla • The plan leaves Medicare or no longer provides coverage in your area • You don't have to use your one-time right to join a new plan immediately. • If you go directly to Original Medicare after your plan leaves or stops providing coverage, you'll still have a one-time right to join a Medicare Advantage Plan later. https://schealthbenefits.com/

11. How do Medicare Advantage Plans work? • Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare.  If you join a Medicare Advantage Plan, you still have Medicare.  These "bundled" plans include  Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare prescription drug (Part D). • Find Medicare Advantage Plans in your area. • For more information in detail contact us on Toll Free number: 800-985-8111 https://schealthbenefits.com/

12. Contact US For South Carolina Medicare Advantage Plans 61 Arrow Rd. Suite FHilton Head Island, SC 29928 (843) 681-7400Toll Free: 800-985-8111 ashley@schealthbenefits.com https://schealthbenefits.com/

13. Thank You https://schealthbenefits.com/