Your out-of-pocket costs in a Medicare Advantage Plan depend on:
Whether the plan charges a monthly premium. Many Medicare Advantage Plans have a $0 premium. If you enroll in a plan that does charge a premium, you pay this in addition to the Part B premium.
Whether the plan pays any of your monthly Medicare premiums. Some Medicare Advan-tage Plans will help pay all or part of your Part B premium. This benefit is sometimes called a “Medicare Part B premium reduction.”
Whether the plan has a yearly deductible or any additional deductibles for certain services.
How much you pay for each visit or service (copayments or coinsurance). Medicare Advan-tage Plans can’t charge more than Original Medicare for certain services, like chemotherapy, dialysis, and skilled nursing facility care.
The type of health care services you need and how often you get them.
Whether you get services from a network provider or a provider that doesn’t contract with the plan. If you go to a doctor, other health care provider, facility, or supplier that doesn’t belong to the plan’s network for non-emergency or non-urgent care services, your plan may not cover your services, or your costs could be higher. In most cases, this applies to Medicare Advantage Plans, Health Maintenance Organizations and Preferred Provider Organizations.
Whether you go to a doctor or supplier who accepts assignment (if you’re in a Preferred Pro-vider Organization or Private Fee-for-Service plan, or Medical Savings Account plan and you go out of network).
Whether the plan offers extra benefits (in addition to Original Medicare benefits) and if you need to pay extra to get them.
The plan’s yearly limit on your out of pocket costs for all Part A and Part B medical services. Once you reach this limit, you’ll pay nothing for Part A and Part B covered services.
Whether you have Medicaid or get help from your state through a Medicare Savings Program.
To learn more about your costs in specific Medicare Advantage Plans contact the plan, or visit Medicare.gov/plan-compare.