Medicare Advantage Extra Benefits Explained

When it comes to Medicare Advantage and the “Additional Benefits” following are the top 10 benefits usually mentioned. These additional benefits can vary from one plan to another, so it’s important to carefully review the specific details of the plan you’re considering. Here’s an explanation of the most requested benefits:

1. Over-the-Counter (OTC) Allowance: Some Medicare Advantage plans offer an OTC benefit, which provides an allowance that beneficiaries can use to purchase over-the-counter medications and health-related products. These may include items like pain relievers, vitamins, bandages, and other non-prescription health supplies.
2. Transportation: Certain Medicare Advantage plans may cover non-emergency medical transportation. This benefit can help beneficiaries get to and from medical appointments, including rides to the doctor’s office, hospital, or other healthcare providers.
3. Food Allowance: Food allowance benefits are relatively uncommon in Medicare Advantage plans. These plans might provide a financial allowance to help cover the cost of nutritional supplements, meal delivery, or other food-related expenses for beneficiaries with specific dietary needs or health conditions.
4. Fitness: Some Medicare Advantage plans offer SilverSneakers as a benefit, which provides access to participating fitness centers and exercise classes at no additional cost. It encourages physical activity and can help improve overall health and well-being.
5. Hearing: Hearing benefits in Medicare Advantage plans may cover hearing exams, hearing aids, and related services. This can be especially valuable for beneficiaries with hearing impairment.
6. Dental: Dental coverage under Medicare Advantage plans often includes services such as routine dental check-ups, cleanings, X-rays, and sometimes more extensive dental work like fillings, extractions, and dentures. Note that dental coverage can vary widely between plans.
7. Vision: Vision benefits typically cover eye exams, prescription eyeglasses or contact lenses, and preventive eye care. Like dental coverage, the extent of vision benefits can differ from one plan to another.
8. In-Home Healthcare: Some Medicare Advantage plans offer in-home healthcare services. These services can include home health visits from healthcare professionals like nurses, physical therapists, or aides. They may also cover medical equipment and supplies necessary for in-home care.
9. Caregiver Support: Caregiver support benefits are designed to assist family members or caregivers who provide care to Medicare Advantage plan beneficiaries. These services may include respite care, counseling, and training for caregivers.
10. Games and Mental Health Support: Some Medicare Advantage plans offer mental health support as part of their wellness benefits. This can include access to mental health professionals such as counselors or therapists, access to online games for brain-training or cognitive stimulation activities.

It’s important to note that the availability of these benefits can vary from one Medicare Advantage plan to another. Additionally, the scope and extent of these services can differ significantly among plans. When considering a Medicare Advantage plan, carefully review the plan’s documentation, including the Summary of Benefits, Evidence of Coverage, and other materials to understand the specifics of these benefits. Be aware of any costs, limitations, and eligibility criteria associated with these additional benefits to ensure they meet your healthcare and lifestyle needs.