Medicare Advantage Plans

What is a Medicare Advantage plan? Medicare Advantage plans are offered by private insurance companies and replace Original Medicare.

What is included in Medicare Advantage Plans? These plans include hospital insurance, medical insurance and often prescription drug coverage and some may even offer dental, vision, hearing and other benefits.

Who is eligible for Medicare Advantage Plans? Anyone who is enrolled in Medicare Part A and Medicare Part B who also live in the plan's service area are eligible for these plans.

How Much does a Medicare Advantage Plan Cost? The cost for these plans can vary; reach out to us for a free consult to see what plans are available in your service area. Many of these plans come with a $0.00 premium and some may even offer a Part B give-back to help offset some of the Part B premium you are still responsible for.

What types of plans are available? HMOs- These plans have a network of doctors and often require you to use a primary care physician to give you a referral in order to see a specialist. PPOs- These plans offer some more flexibility for you care as they have in-network and out-of-network options and do not require referrals. If you go to an out of network doctor deductibles, copays and max out of pocket could be higher. PFFS- (Private Fee-for-Service) These plans allow you to see providers that accept the plans payment terms. No referrals are needed to see a specialist. Costs on these plans can vary as providers can charge more than the standard Medicare rates. SNPs- These plans offer coverages for special needs such as certain chronic or disabling health conditions and can vary. Please request a FREE consultation if you would like more information.