The Medicare Advantage plan receives funding from the government as it agreed to pay your medical claims. In other words, your claim is the responsibility of the Part C insurance carrier.
You don’t need to. It’s your choice to decide if you’d like to be on Original Medicare or sign up for Medicare Advantage Plan (Part C) or Medicare Supplement (Medigap). Be mindful of the deductibles and copayments if you choose to stay on Original Medicare with no additional medicare insurance coverage. As well as the late enrollment penalty if you don’t have creditable prescription drug coverage.
No, they are not the same. You leave Original Medicare when you sign up for Part C, while Medigap/Medicare Supplement plans work with Original Medicare to provide you more comprehensive benefits than Original Medicare has to offer.
You must have both Medicare Part A and Part B and live in the service area in order to enroll in a Medicare Advantage plan.
With a PPO, it is not required to have a designated primary care physician (PCP) and you can see a specialist without a referral from your PCP. With HMO you have to see the providers who are in the network only, unless in a medical emergency; while with PPO gives you an option to see out-of-network providers (for a higher rate)