Your out-of-pocket costs in a Medicare Advantage Plan depend on the following:
■Whether the plan charges a monthly premium in addition to your Part B premium.
■Whether the plan pays any of the monthly Part B premium. Some plans offer this option, usually for an extra cost.
■Whether the plan has a yearly deductible or any additional deductibles.
■ How much you pay for each visit or service (copayments).
■ The type of health care services you need and how often you get them.
■Whether you follow the plan’s rules, like using network providers.
■Whether you need extra coverage and what the plan charges for it.
If you have limited income and resources, you may qualify for the following:
■ Extra Help paying your Part D premium and other prescription drug coverage costs.
■ Help from your state to pay your Part B premium.
■Whether the plan has a yearly limit on your out-of-pocket costs for all medical services.