Georgia Navigator Practice Exam

Which of the following best describes Medicare Advantage Plans?

1. They offer coverage for hospital stays only.

2. They allow beneficiaries to receive benefits through private plans.

3. They are exclusively for individuals with disabilities.

4. They are a type of Medicaid plan.

The correct answer is: They allow beneficiaries to receive benefits through private plans.

Medicare Advantage Plans, also known as Medicare Part C, are designed to provide beneficiaries with an alternative way to obtain their Medicare benefits through private insurance companies approved by Medicare. This means that individuals enrolled in Medicare can choose to receive their hospital, medical, and often additional benefits—like vision and dental services—through these private plans instead of traditional Medicare. This option emphasizes the flexibility and choice available to beneficiaries, as they can select a plan that best fits their needs, which may include various networks and types of services that traditional Medicare might not cover comprehensively. Beneficiaries still receive at least the same level of coverage as they would under original Medicare, but may also encounter different rules, costs, and networks associated with their chosen private plan. Understanding this aspect is crucial, as it highlights the role of private insurance in the broader Medicare system, distinguishing it from other aspects of healthcare coverage available to different populations, such as those with disabilities or those covered under Medicaid.