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We help our clients determine if a Medicare Advantage plan may be right for them, along with choosing the right carrier and plan options.
Medicare Advantage
WHAT IS MEDICARE ADVANTAGE?
A Medicare Advantage plan (also called Medicare Part C) is a plan offered by a private insurance company. These companies contract with Medicare to offer all of your Part A and Part B benefits. Each plan must include everything covered by traditional Medicare, but may offer more benefits and/or lower copays. These plans include HMOs, PPOs, Private Fee-for-Service Plans, Special Needs Plans, and Medicare MSA Plans. Most of these plans also offer prescription drug coverage.
WHY CONSIDER MEDICARE ADVANTAGE?
One of the main benefits and reasons people choose a Medicare Advantage Plan is that it can come with a lower premium. We’ll review your options in depth as a lower premium is attractive, but can come with risks and higher out of pocket costs.
WHAT YOU SHOULD KNOW
You can generally join a Medicare Advantage plan if you live in the plan’s service area, have Medicare Part A and Part B,
and don’t have end-stage renal disease.
- You can only join a plan at certain times of the year. You can discuss this with your advisor.
- 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. This limit may be different between Medicare Advantage Plans and can change each year. You should consider this when choosing a plan.
- Remember that Medicare Advantage plans may seem attractive in price, but that it is important to review your coverage options with your advisor.
Work with one of our Licensed Medicare Specialists to get all of your questions answered. We’ll do an in depth review of your healthcare needs and choose the best plan for you.
Contact us today to speak with a licensed advisor!62.6 Million
Enrolled in Medicare (2020)
Choosing the proper plan is vital to cover increasing medical expenses
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