Compared with Original Medicare, a Medicare Advantage (MA) plan may:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A Medicare Advantage plan must cover all benefits provided under Original Medicare, but it may cover claims to a greater extent, reduce out-of-pocket costs, and include additional benefits not available under Original Medicare. Private plans compete on cost-sharing design, so a beneficiary's deductibles, copays, and coinsurance under an MA plan can be lower than under fee-for-service Original Medicare. This comparison of plan designs is part of the Original Medicare versus Medicare Advantage material tested under AH-III.D.1a, and the ability of MA plans to reduce out-of-pocket exposure is a key feature the objectives highlight.
Why the other options are wrong
- B) The Part B premium is set by statute and adjusted by income; MA plans do not charge a higher premium for the Part B benefit itself.
- C) MA plans must cover at least the full scope of Original Medicare benefits and may not exclude them.
- D) Enrollment in an MA plan requires entitlement to Part A, so the beneficiary does not drop Part A to join.
Memory hook
MA must match Medicare, but may beat it on cost and perks.