Q: Are Medicare Advantage Plans required to provide the same home health care benefit as Original Medicare?
No. Although Medicare Advantage plans must follow Original Medicare’s rules for providing you care, they can impose different costs and restrictions (often expensive co-pays and high deductibles). Also, you may need to choose a home health agency or other healthcare provider that contracts with your Medicare Advantage plan and get your plan’s prior approval or a referral before receiving home health care. With Original Medicare, home health services, including skilled nursing and therapies, are fully covered and require no co-pays. Also, you can go to any doctor, hospital or other provider that accepts Medicare patients anywhere in the country.