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Medicare Advantage Plans _MAs_ and Medicare Advantage Plans with


									Medicare Advantage Plans (MAs) and Medicare Advantage Plans with Prescription Drug Coverage (MA-
PDs) are private plans that provide doctor and hospital services in place of Medicare and Medicare pays
these private companies to manage the healthcare instead of paying for the beneficiary claims directly.
Examples of MAs or MA-PDs that administer your Medicare Part A and Part B, as well as possibly providing
Prescription Drug coverage are: Health Maintenance Organizations (HMOs), Private, Fee for Service
Organizations (PFFS), or Preferred Provider Organizations (PPOs). Typically, the MA-PDs also provide
additional value-added service to its Members such as additional covered days in the hospital. If you
purchase a MA-PD plan, you do not need to purchase a PDP plan (see above) nor do you need a Medicare

A federal medical assistance program that covers certain individuals and families meeting
low income guidelines. Medicaid is jointly funded by the federal and state governments to
assist the states in providing long-term care assistance to people who meet certain eligibility

Medicare Advantage Plans
Health plans offered by private insurance companies that contract with Medicare to provide
Medicare coverage. Depending on where the beneficiary lives, Medicare Advantage Plans
may be available both with and without Part D plans. Medicare Advantage Plans are also
called Medicare Health Plans. The Medicare Advantage Plans used to be called the
Medicare+Choice plans.

The health insurance program run by the federal government for people age 65 and older,
people with certain disabilities, and people of all ages with End-Stage Renal Disease
(permanent kidney failure requiring dialysis or kidney transplant).

Medicare Part D prescription drug plan
Insurance plans offering prescription drug coverage that meets the standards established by
Medicare. Other Names for these plans include Part D prescription drug plans, PDPs, or
MA-PDs. However, not all private insurance plans offering prescription drug coverage are
Part D plans. You'll want to pay close attention to whether a plan is a Part D plan.

Medicare Prescription Drug Program (Part D)
The Medicare Prescription Drug Program (Part D) is insurance offered by the federal
government and sold through private companies that helps pay for prescription drugs. The
Medicare Prescription Drug Program became available to all Medicare beneficiaries on
January 1, 2006.

Medicare Prescription Drug, Improvement and Modernization Act of 2003
The Medicare Prescription Drug, Improvement, and Modernization Act of 2003 is a federal
law that brought the most dramatic changes to the Medicare program since it began in
1965. These changes include more affordable health care, prescription drug coverage to all
people with Medicare, expanded health plan options, improved health care access for rural
Americans, and preventive care services, such as flu shots and mammograms.

Medicare Supplements
Medicare Supplements or MediGap Plans provide additional coverage to your Original
Medicare plans (Medicare A and B). For instance, Medicare Supplements will pay a portion
of your Medicare Co-insurance. There are a series of Medicare Supplements that provide a
variety of coverage options at varying premiums. Stand-alone Prescription Drug Plan (PDP)
can be used together with your Medicare Supplements. A Medicare Advantage Plan (MA or
MA-PD) cannot be used with a Medicare Supplement.

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