Massachusetts Health & Accident Insurance Practice Exam

Which insurance plan offers additional benefits and coordinates care beyond standard Medicare coverage?

1. Medicaid

2. Medicare Part B

3. Medicare Part C

4. Medicare Part A

The correct answer is: Medicare Part C

Medicare Part C, also known as Medicare Advantage, is designed to offer additional benefits and coordinate care beyond what standard Medicare coverage provides. This plan is an alternative to Original Medicare (Parts A and B) and typically includes all the benefits offered by those parts while often providing additional services such as vision, dental, and health and wellness programs. Medicare Advantage plans often come from private insurance companies that contract with Medicare to provide these expanded benefits, and they may also include a network of doctors and healthcare providers to help manage patient care more efficiently. This emphasis on care coordination aims to improve health outcomes by ensuring that beneficiaries receive necessary services in a connected and comprehensive manner. In contrast, Medicaid is a separate program primarily for low-income individuals and families, while Parts A and B of Medicare cover hospital and outpatient services, respectively, but do not extend beyond those core services in the way that Medicare Advantage does.