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Answer a few questions, and we’ll help you learn about the benefits of a Medicare Advantage plan from a Licensed Insurance Agent in your area.

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How It Works

Medicare Advantage Insurance plans offer a wide range of benefits.

.01

Meet Your Licensed Insurance Agent

Contact us to speak with a licensed insurance agent.

.02

Tell Us What Matters

Discuss your insurance needs and enrollment status.

.03

Review Your Options

Review plan benefits that may be available with a Medicare Advantage plan.

.04

Get Enrolled

Enroll in a Medicare Advantage plan and start receiving benefits.

How Do Medicare Advantage Plans Work?

A Medicare Advantage is another way to get your Original Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Original Medicare. If you enroll in a Medicare Advantage Plan, you’ll still have Original Medicare but you’ll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare.

Medicare Advantage Plan

What’s A Medicare Advantage Plan?

You could get additional plan benefits through Medicare Advantage Plan (like an HMO or PPO). Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private insurance companies approved by Original Medicare. Medicare Advantage Plans often provide additional benefits not provided by Original Medicare. Provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage.

With a Medicare Advantage Plan, you may have coverage for things Original Medicare doesn’t cover, like vision, hearing, and dental services (like routine checkups or cleanings).

There Are The Different Types Of Medicare Advantage Plans:

Health Maintenance Organization (HMO) plans—In most HMOs, you can only go to doctors, other health care providers, or hospitals in the plan’s network, except in an urgent or emergency situation. You may also need to get a referral from your primary care doctor for tests or to see other doctors or specialists.

Preferred Provider Organization (PPO) plans—In a PPO, you usually pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. You usually pay more if you use doctors, hospitals, and providers outside of the network.

Private Fee-for-Service (PFFS) plans—PFFS plans are similar to Original Medicare in that you can generally go to any doctor, other health care provider, or hospital as long as they accept the plan’s payment terms and agree to treat you. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care.

Special Needs Plans (SNPs)—SNPs provide focused and specialized health care for specific groups of people, like those who have both Part A & B Medicare and Medicaid, live in a nursing home, or have certain chronic medical conditions.
 
HMO Point-of-Service (HMOPOS) plans—These are HMO plans that may allow you to get some services out-of-network for a higher copayment or coinsurance.
 

Some plans benefits may offer:

  • $0 Plan Premium – Medicare Advantage plans with $0 monthly premium coverage.
  • Dental Coverage – Original Medicare does not cover dental services including checkups and cleanings. Medicare Advantage plans with dental coverage may provide coverage for dental care including access to a network of qualified dentists, discounts for covered care, procedures, and more.
  • Hearing Coverage – Medicare Advantage plans with this additional benefit may provide coverage for hearing exams and may include coverage, discounts, or annual allowances for hearing aids, batteries, and more.
  • Vision Coverage – Medicare Advantage plans with this additional benefit may provide coverage for routine eye exams and screenings. They may also help cover the cost of prescription eyewear such as lenses, frames or contacts.
  • OTC Benefit – OTC benefit helps you save money on a wide range of over-the-counter health and wellness products. You can use your benefit amount to purchase products such as but not limited to pain relief, first aid, cold and allergy medicine, dental care items and more. Different Medicare Advantage plans may have different OTC benefits.
  • Grocery Benefit – The Medicare grocery benefit provides a monthly, quarterly, or yearly allowance for qualified food and grocery purchases. Most plans that offer this benefit will send you a card that you’ll use at participating markets with eligibility criteria dependent on your specific plan and requiring a qualifying health condition. Although Original Medicare (Medicare Part A and Part B) doesn’t cover this benefit, there are certain Medicare Advantage plans and Special Needs Plans that may offer it.

Why People Choose Us

Help people find affordable Medicare Advantage plans

Keep your Medicare doctor

Make the right decision!

You Have Questions, We Have Answers!

Licensed insurance agents in your area can help you find a plan that fits your needs and budget.

LET'S CONNECT

Have questions or need help? Use the form to reach out and we will be in touch with you as quickly as possible.

FAQ'S

For a deeper understanding, here are the most common, frequently asked questions about us.

You must have Medicare Parts A and B and live in the plan’s service area to be eligible to enroll. As Per Medicare.gov: Starting January 2021, people having Medicare Part A &B or ESRD can choose either Original Medicare or a Medicare Advantage Plan when deciding how to get Medicare Coverage

In addition to your Part B premium, you usually pay for the services included in a Medicare Advantage Plan. Each Medicare Advantage Plan has different premiums and costs for services, so it’s important to compare plans in your area and understand plan costs and benefits before you enroll.

Medigap policies generally don’t cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

Choosing the right stand-alone Medicare prescription drug plan can help you effectively maintain your costs and health. Be sure to consider the following factors before enrolling in Medicare prescription drug coverage: Do you take or require specific medications? Do you want extra protection from high prescription drug costs? Do your expenses need to be balanced throughout the year? Do you need coverage for medications you currently take, or do you want coverage as a safety measure?

The Healthy Options Allowance helps eligible Medicare Advantage plan members pay for eligible essential living expenses like groceries, over the counter (OTC) products and more at participating retailers. Healthy Options Allowance amounts vary by plan and location. Monthly allowances range from $35–$275 dollars ($420–$3,300 annually) and are issued on a separate card similar to a pre-loaded debit card.

Eligibility to Enroll

You can only join, switch, or drop a Medicare Advantage Plan (Part C)
or Medicare drug plan (Part D) at certain times, called enrollment periods.
Enrollment Period Who Needs Purpose When
Initial Enrollment Period (IEP) Turning 65 Enroll in Original Medicare and possibly a Medicare Advantage Plan 3 months before 65th birthday, birthday month, and 3 months after 65th birthday month;
Medicare Advantage & Prescription Drug Plan Annual Enrollment Period (AEP) Medicare Parts A & B Enrollees Reevaluate coverage & make changes October 15 - December 7
Special Enrollment Period (SEP) Varies. Only for certain situations that happen in your life, like moving to a new address, losing or changing your current coverage, getting Medicaid, or getting extra help to pay drug costs, and more. Learn more about Special Enrollment Periods. Generally, you can join a Medicare Advantage Plan (with or without drug coverage) or Medicare drug plan, or switch to another plan. Starting January 1, 2024, if you sign up for Part A and/or Part B during a Special Enrollment Period because of an exceptional situation, you’ll have 2 months to join a plan or switch to another plan. Varies. Generally, the first of the month after the plan gets your request. Special Enrollment Period eligibility varies by qualifying conditions.
Medicare Advantage Open Enrollment (OEP) Only if you’re already in a Medicare Advantage Plan
  • Switch to another Medicare Advantage Plan with or without drug coverage.
  • Drop your Medicare Advantage Plan and go back to Original Medicare.
  • Join a Medicare drug plan
  • January 1-March 31. Within the first 3 months you get Medicare

    Source: https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan

    Speak with a licensed insurance agent to review your plan options and possibly enroll in a Medicare Advantage Plan during one of these enrollment periods.