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Medicare Advantage Plans, also known as Medicare Part C, offer an alternative to Original Medicare. These plans replace your coverage under Parts A and B, and sometimes include additional coverage. They often (but not always) include a specific network of doctors and health care providers you can use to receive care, sometimes at lower costs.
Plans often called "dual" or "dual eligible" are designed for people who qualify for both Medicare and Medicaid at the same time. These plans include all Medicare Part A (hospital stay) and B (doctor visit) benefits and Part D prescription drug coverage. For people with limited incomes, these plans may offer better health care coverage than Original Medicare and a separate Part D plan.
Dual eligible plans are most common for seniors and certain disabled individuals with low incomes.
To qualify, you must receive Medicare (Parts A & B) and full Medicaid benefits where Medicaid pays for all or part of your Medicare copayments, coinsurance and deductibles. To know if you qualify, you should look at the letter you received from your State Medicaid office, or call them to find out your status.
The Medicaid benefits can help in several ways, like paying for Medicare costs, and covering benefits not offered by Medicare, such as hearing, transportation, vision, dental and long-term care.
UnitedHealthcare health plans are offered by United Healthcare Insurance Company, which works directly with Medicare and several state governments to provide health care services to both Medicare and Medicaid recipients in their communities.