Frequently Asked Questions (FAQs)
What benefit does Advantage MD cover that Original Medicare doesn't?
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Original Medicare provides basic medical and hospital benefits, and only pays for 80% of covered services. Advantage MD provides comprehensive benefits and covers your doctor, specialist and hospital care, as well as many other medical services. Advantage MD also covers prescription drugs, preventive dental, routine vision and routine hearing care.
Do I need referrals to see specialists?
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You never need a referral with Advantage MD. If you like, we can even help you set up initial appointments with Johns Hopkins specialists through our Specialty Appointment Line.
How is Advantage MD different from a Medicare Supplement?
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Advantage MD provides benefits that go beyond Medicare and most Medicare Supplements combined, while still giving you the freedom to use the providers you want. Advantage MD includes prescription drug coverage and pays benefits for preventive dental, routine vision and routine hearing care. Unlike Medicare and Medicare Supplement plans, Advantage MD caps the amount you would pay out-of-pocket annually for health care, too.
What does it cost to have this coverage?
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Advantage MD is $44 a month and Advantage MD Plus is $78 a month. However, you must also continue to pay your Medicare Part B premium, which is not included in either plan.
Do I need to go to Baltimore for my health care?
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No. With Advantage MD, you have the freedom to use any doctor or hospital you want. When you choose one of our participating providers, your savings will be even greater.
Some Medicare plans advertise $0 in monthly premiums. How is that possible?
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Plans like Advantage MD are contracted with Medicare to administer your health plan and help pay your health care bills. Other costs associated with a $0-premium plan may be higher in exchange for having no premium. Deductibles, copays, coinsurance and annual out-of-pocket maximums may be higher than plans that have a monthly premium. Some plans charge a separate premium for prescription drug coverage. You may also be restricted as to which doctors and hospitals you may use. Make sure you compare all features and benefits before choosing your plan.
When is the Medicare Enrollment Period?
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Those already on Medicare must enroll during the Annual Election Period (AEP) which takes place every year from October 15 to December 7.
If you’re new to Medicare, you have a 7-month window in which to enroll (this is your Initial Enrollment Period): three months before you turn 65, the month of your birthday and three months after the month you turn 65. If you don’t enroll during these seven months, you’re subject to a possible penalty.
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