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Medicare Advantage Plan
Everything You Need in One Medicare Plan
All-in-One Coverage Through a Private Medicare Health Plan.
A Medicare Advantage Plan (also called Part C) is a type of Medicare-approved health insurance offered by private companies that contract with Medicare. These plan include all the benefits of Medicare Part A (hospital insurance) and Part B (medical insurance) and often more. When you enroll in a Medicare Advantage Plan, Medicare services are paid for by the plan, not Original Medicare.
What Is a Medicare Advantage Plan?
Medicare Advantage Plan come in several forms, including:
Health Maintenance Organizations (HMO)
Preferred Provider Organizations (PPO)
Private Fee-for-Service (PFFS) Plan
Special Needs Plan (SNPs)
Medicare Medical Savings Account (MSA) Plan
These plan may require you to use a network of doctors and hospitals, but they often offer added benefits and coordinated care
Most plan also include Medicare prescription drug coverage (Part D), making them a comprehensive choice for many beneficiaries.
What Do Medicare Advantage Plan Cover?
Many Medicare Advantage Plan offer additional benefits, including:
- Vision and dental services
- Hearing aids and exams
- Wellness and fitness programs
- Over-the-counter (OTC) allowances
In addition to your standard Part B premium, you may pay an additional premium for the Medicare Advantage Plan.
Important Note on Advance Coverage Decisions
If your unsure whether a specific medical service or item will be covered, you can ask your plan for
a written advance coverage decision. This helps ensure the care is deemed medically necessary
and prevents unexpected out-of-pocket costs.
If you skip this step and the service is denied, you may be responsible for the full cost
Ready to Explore Your Medicare Advantage Options?
Whether youre new to Medicare or considering a switch from Original Medicare, our team is here to guide you through your options and help you find a plan that fits your lifestyle and budget.
FAQs
Medicare Advantage (Part C)
What is Medicare Advantage and how does it work?
Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare, offered by private insurance companies approved by Medicare. These plans bundle Medicare Part A (hospital insurance), Part B (medical insurance), and often Part D (prescription drug coverage), plus extras like dental, vision, hearing, and fitness benefits.
What are the pros and cons of Medicare Advantage plan?
Pros: Lower monthly premiums, extra benefits, out-of-pocket maximums for financial protection.
Cons: You may be limited to provider networks, require referrals for specialists, and face more variability in costs depending on how you use your plan.
What types of Medicare Advantage plan are available?
Common types include HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), PFFS (Private Fee-for-Service), and SNP (Special Needs Plan). HMO plan often have lower premiums but require in-network care, while PPOs offer more flexibility to see out-of-network providers.
How do I enroll in a Medicare Advantage plan?
You can enroll during your Initial Enrollment Period when you first qualify for Medicare or during the Annual Enrollment Period (October 15 – December 7). If you’re eligible, you can also switch plan during the Medicare Advantage Open Enrollment Period (January 1 – March 31). Additionally, there are special election periods like losing employer coverage or moving to another state.
Do Medicare Advantage plan cover prescription drugs?
Most Medicare Advantage plan include Part D prescription drug coverage, making them convenient all-in-one options. Always check the plan formulary to ensure your medications are covered.
Do I still pay for Medicare Part B with an Advantage plan?
Yes, you still pay your Medicare Part B premium, even if you're enrolled in a $0 premium Medicare Advantage plan. Some Dual Eligible Special Needs Medicare Advantage plan may help cover part of your Part B premium.
Can I switch from Medicare Advantage back to Original Medicare?
Yes, during certain enrollment periods like the Medicare Advantage disenrollment period. However, if you drop your Medicare Advantage plan and want a Medicare Supplement plan, you may not be guaranteed acceptance and could face higher premiums or denial based on health history in addition you must purchase a standalone Medicare Prescription Drug Plan.
Are Medicare Advantage plan good for frequent travelers?
It depends. Many Advantage plan have local or regional networks also some Medicare Advantage HMO's will only let you use emergency room or urgent care. If you travel often or live in multiple states, Original Medicare with a Medicare Supplement plan may offer better nationwide coverage.
Are dental and vision included in Medicare Advantage?
Yes, most Medicare Advantage plan include routine dental, vision, and hearing care—benefits that Original Medicare does not cover. These extras can enhance your overall wellness and savings.
How do I compare Medicare Advantage plan in my area?
Comparing plan involves reviewing premiums, out-of-pocket costs, provider networks, drug formularies, and added benefits. Our licensed agents can provide a free, personalized consultation to help you find the best Medicare Advantage plan for your needs.
Need help deciding which Medicare option is best for you or a loved one? Our licensed Medicare experts are here to guide you with care, clarity, and a commitment to finding the best fit for your needs. Reach out today for personalized support—because you deserve coverage that feels just right.
Speak With a Licensed Medicare Specialist
Choosing the right Medicare coverage can be confusing. Were here to make it easy.
Speak With a Licensed Medicare Specialist
Choosing the right Medicare coverage can be confusing. Were here to make it easy.