Medicare Advantage FAQs

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Health Insurance

Am I eligible for Medicare?

  • Medicare is a federal health insurance program.
  • In order to qualify, you must be a U.S. citizen or lawfully present in the United States.
  • You must also meet one of these criteria:
    • Be age 65 or older
    • Be under 65 with certain disabilities
    • Have permanent kidney failure requiring dialysis
  • Medicare has four parts:
    • Part A hospital coverage
    • Part B medical coverage
    • Part C Medicare Advantage plans
    • Part D prescription drug coverage
  • Enrollment in Original Medicare
  • Contact the Social Security Administration to sign up for Original Medicare.
  • Call toll-free 1-800-772-1213
  • Monday through Friday from 8 a.m. to 7 p.m.
  • TTY users should call 1-800-325-0778.

What Plans does MyTruAdvantage Offer?

  • MyTruAdvantage Select (HMO)
  • MyTruAdvantage Select Plus (HMO)
  • MyTruAdvantage Choice Plus (PPO)
  • Red, White and Tru (PPO) MA-Only

All plans include:

  • $0 member premium
  • $0 medical deductible
  • $0 PCP co-pay
  • MyTruCard - flex card includes:
    •  $75 over-the-counter allowance
    •  $200 vision allowance for exams, glasses, and contacts
  • Extensive dental coverage hearing, and fitness programs.

What is the difference between an HMO and a PPO?

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 many options nationally. For information regarding our pharmacy network please visit our Plan Information page of www.MyTruAdvantage.com.

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.

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 many options nationally. For information regarding our pharmacy network please visit our Plan Information page of www.MyTruAdvantage.com.

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