Medicare Advantage FAQs

MyTruAdvantage Medicare Advantage plans are all-in-one plans. They cover:

Everything Original Medicare covers for doctors and hospitals plus more, including low co-pays and deductibles, maximum out-of-pocket cost limitations. A network of doctors and hospitals that you know and trust. No referrals needed.

Prescription drugs with an extensive drug list and pharmacy network, and over-the-counter allowances for items such as vitamins, pain relievers and self-monitoring devices like blood pressure cuffs and thermometers, incontinence products and more.

Dental, vision, hearing and fitness benefits.

High quality standards and care coordination. Medicare Advantage plans are held to high quality standards and are built to coordinate the care you need, from the hospital, to your doctor and specialists

• MyTruAdvantage Select (HMO)
• MyTruAdvantage Select Plus (HMO)
• MyTruAdvantage Choice (PPO)
• MyTruAdvantage Choice Plus (PPO)

All plans include:

• $0 member premium
• $0 medical deductible
• $0 PCP co-pay
• $0 copay for 90- day mail-order prescription drugs
• $75 over-the-counter allowance, dental, vision, hearing, and fitness programs.

HMO stands for Health Maintenance Organization. In the HMOs, your coverage applies only to doctors, hospitals, and other providers in the network. Except emergency and urgent care, any service provided by an out-of-network provider will not be covered. No referrals are needed. As long as you use in-network providers, you have coverage. If you choose to receive care from an out-of-network provider, then you’ll be responsible for the full payment for that visit, except for emergency benefits, you will have coverage.

The MyTruAdvantage HMO network includes more than 2,200 unique Primary Care Providers, 4,100 specialists, and more than 300 facilities. Deaconess, Community Health, Schneck Medical Center, Columbus Regional Health, and Union Health all participate in our network.

The pharmacy network includes 24,000 preferred pharmacies nationally, including many national and regional chains like CVS, Costco, Kroger, Walmart, and independent pharmacies.

PPO stands for Preferred Provider Organization. With the PPO, you’re covered for benefits received from in-network providers and out-of-network providers. No referrals are needed. Our PPO network includes more than 2,200 unique Primary Care Providers, 4,100 specialists, and more than 300 facilities. Deaconess, Community Health, Schneck Medical Center, Columbus Regional Health, and Union Health all participate in our network. Out-of-network providers and services in the PPO may be accessed locally and when you’re traveling. In-network benefits and out-of-network benefits are included in your coverage. Cost shares, such as co-pays or co-insurance, may differ for in-network and out-of-network providers. For instance, specialist office co-pays may be $35 for in-network doctors and $55 for out-of-network doctors. In some cases, the in-network and out-of-network coverage is the same. For instance, specialist office co-pays are $35 for in-network doctors and also $35 for out-of-network doctors.

The MyTruAdvantage PPO network includes more than 2,200 unique Primary Care Providers, 4,100 specialists, and more than 300 facilities. Deaconess, Community Health, Schneck Medical Center, Columbus Regional Health, and Union Health all participate in our network.

The pharmacy network includes 24,000 preferred pharmacies nationally, including many national and regional chains like CVS, Costco, Kroger, Walmart, and independent pharmacies.