Qualifying for a low income subsidy such as Medicaid or Extra Help while having Congestive Heart Failure can qualify you for a Special Needs Medicare Advantage plan that gives you significantly more benefits than those without Extra Help and a Chronic condition such as Congestive.

How can having Congestive Heart Failure and Low Income get me more Benefits and a lower premium than a Regular Medicare Advantage Plan?

If you qualify for Medicaid or Extra Help the Federal Government is paying most of your prescription drug costs and part or all of your Medicare Advantage Plan premium. Therefore the money your Medicare Plan provider receives for your enrollment can be spent on Additional Benefits such as Comprehensive Dental, Vision, and Over the Counter Catalog benefits, Transportation, Memberships to a local Gym, and more! An average Medicare Advantage plan has 3 parts; Medical, Prescription, and some of the Additional Benefits I just described. The charts below are an example of how a regular Medicare Advantage Plan focuses the benefits it offers verses the special needs plan that caters to those who qualify for Medicaid or Extra Help with a Chronic condition such as Congestive Heart Failure or Diabetes.

What If I no longer Have Congestive Heart Failure?

For the purposes of qualifying for a special needs Medicare Advantage Plan on the basis of Congestive heart Failure once you have had it, you always have it. The question your insurance agent will ask you is Have you Ever been told by a doctor that you have congestive heart failure?