As Independent Insurance Brokers, we are appointed with all major insurance carriers that offer Medicare Advantage plans in our service area.  We offer many options depending on your individual situation.

 

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare.  If you join a Medicare Advantage Plan, you still have Medicare.  These "bundled" plans include  Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare prescription drug (Part D).

 

Things to know about Medicare Advantage:

1. You're still in the Medicare Program.

2. You still have Medicare rights and privileges. 

3. You still get complete Part A and Part B coverage through the plan.  Some plans offer extra benefits that Original Medicare doesn’t cover – like vision, hearing, or dental.

4. Your out-of-pocket costs may be lower in a Medicare Advantage plan. If so, this option may be more cost effective for you.

5. You can only join a plan at certain times during the year. In most cases, you're enrolled in a plan for a year.

6. You can join a Medicare Advantage Plan even if you have a pre-existing condition, except in some cases if you have End-Stage Renal Disease (ESRD).

7. You can check with the plan before you get a service to find out if it's covered and what your costs may be.

8. Go to a doctor, other health care provider, facility, or supplier that belongs to the plan's network, so your services are covered and your costs are less. 

9. Providers can join or leave a plan’s provider network anytime during the year.

10. Medicare Advantage Plans can't charge more than Original Medicare for certain services like chemotherapy, dialysis, and skilled nursing facility care.

11. Medicare Advantage Plans have a yearly limit on your out-of-pocket costs for medical services. Once you reach this limit, you’ll pay nothing for covered services. Each plan can have a different limit, and the limit can change each year. You should consider this when choosing a plan.