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Mrs. Wang wants to know generally how the benefits under

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Mrs. Wang wants to know generally how the benefits under Original Medicare might compare to the benefits package of a Medicare Advantage Plan before she starts looking at specific plans. What could you tell her?

a. Medicare Advantage Plans are not permitted to offer any benefits beyond those available under the Original Medicare program and must have the same maximum out-of-pocket limit on Part A and Part B services as FFS Medicare. b. Medicare Advantage Plans may offer extra benefits that Original Medicare does not offer such as vision, hearing, and dental services. It must include a maximum out-of-pocket limit on Part A and Part B services. c. All Medicare Advantage Plans offer cost-sharing that is lower than Original Medicare for all Part A and Part B covered services, but the maximum out-of-pocket limit is higher than in Original Medicare. d. Medicare Advantage Plans do not necessarily have to cover all of the Original Medicare Part A and Part B services but must include a maximum out-of-pocket limit.

b. Medicare Advantage Plans may offer extra benefits that Original Medicare does not offer such as vision, hearing, and dental services. It must include a maximum out-of-pocket limit on Part A and Part B services.

While Medicare Advantage Plans must cover all the services that Original Medicare provides (except hospice care, which continues to be covered under Part A), they can offer additional benefits that are not typically covered under Original Medicare, such as vision, hearing, and dental services. Additionally, these plans often include prescription drug coverage (Part D). Medicare Advantage Plans also have a maximum out-of-pocket limit for Part A and Part B services, which Original Medicare does not have, potentially offering beneficiaries financial protection against high healthcare costs.