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Medicare Advantage Plans

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Medicare Part C

Original Medicare is your starting point—you must be enrolled in Parts A and B before choosing any additional coverage. While Medicare covers many medical services, it does not include benefits like prescription drugs, vision, dental, or hearing. That’s where private insurance plans come in. Medicare Advantage plans, offered by private companies, combine your Medicare coverage with additional benefits and may help reduce out-of-pocket costs. Many people choose Medicare Advantage for its all-in-one coverage and added services.

How To Choose A Medicare Advantage Plan

Choosing a Medicare Advantage plan is a personal decision based on your healthcare needs, preferences, and budget. With so many options available, asking the right questions can help you find the plan that fits you best.

Here are a few questions to get you started:

  • Do you want to continue seeing a specific doctor? (Check if they are in-network, as this affects your costs)
  • Does your preferred hospital accept the plan you’re considering?
  • Do you travel often or live in multiple locations throughout the year? (Some plans have limited coverage outside your area)
  • Do you have savings or another way to cover unexpected medical expenses?
  • Are your current medications covered under the plan?

Types Of Medicare Advantage Plans Induce

  • PPO’s or Preferred Provider Organization Plans
  • HMO’s or Health Maintenance Organization Pans
  • PFFS or Private Fee-For-Service Plans
  • SNP’s or Special Needs Plans
  • HMOPOS or HMO Point of Service Plans
  • MMSA or Medical Savings Account

Your Medicare Questions Answered

What is Medicare?

Medicare is a federal health insurance program primarily for people age 65 and older. It also covers certain younger individuals with disabilities or specific medical conditions. Medicare helps cover hospital care, doctor visits, prescriptions, and other healthcare services.

The best first step is to schedule a consultation to review your Medicare options. We’ll walk through your situation, answer your questions, and help you find the coverage that fits your needs.

Most people should enroll during their Initial Enrollment Period, which starts 3 months before your 65th birthday, includes your birthday month, and continues 3 months after. Enrolling on time helps avoid potential late penalties.

Medicare is divided into four main parts:

  • Part A – Hospital Insurance
    Covers hospital stays, skilled nursing facilities, and some home healthcare.
  • Part B – Medical Insurance
    Covers doctor visits, outpatient care, preventive services, and medical equipment.
  • Part C – Medicare Advantage
    Private plans that combine Part A and B and often include extra benefits.
  • Part D – Prescription Drug Coverage
    Helps cover the cost of prescription medications.

Original Medicare (Parts A and B) does not typically cover most prescriptions. You can add Part D prescription drug coverage or enroll in a Medicare Advantage plan that includes drug coverage.

Costs vary depending on the coverage you choose. Some parts of Medicare have premiums, deductibles, and copays. Many people receive Part A premium-free, while Part B typically has a monthly premium.

Many doctors accept Medicare, but it depends on the type of plan you choose. Some plans allow you to see any Medicare-accepting provider, while others may use networks.