Medicare
Advantage Plan
Medicare Advantage plans, also called Medicare Part C, are offered by private insurers and provide extra coverage beyond what is available through Original Medicare.
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How Medicare & Medicare Advantage Compare
Original Medicare
- The Basic Plan
- Hospital (Part A)
- Medical Coverage (Part B)
- Use Doctors that accept Medicare
- Part D NOT INCLUDED
- No Maximum Out-of-Pocket
Medicare Advantage
- May Include additional Benefits
- Includes Part A & B
- Use Carriers you Know
- Keep your Doctor
- Drug coverage in Most Plans
- Set Maximum Out-of-Pocket
How to choose a Medicare Advantage plan
Choosing a Medicare Advantage plan can feel overwhelming, but breaking it down makes it much more manageable. Follow these 5 steps to help simplify your decision!
1. Look Beyond the Monthly Premium
Compare costs like deductibles, copayments, and coinsurance. Also, pay close attention to the maximum out-of-pocket limit. This is the most you'll spend on covered medical services in a year, and it's your biggest protection against high bills.
2. Match Benefits to Your Needs
Every Plan is going to be a little different. Extra benefits like dental, vision, & hearing vary from plan to plan, so make sure the one you pick actually covers the services you use or anticipate needing.
3. Check the Network
Nobody wants to be forced to find a new doctor. Double-check that your providers are in the plan's network to avoid unexpected changes.
4. Check Your Prescriptions
If you take regular prescriptions, verify that they are on the plan's list of drugs they cover. Compare expected costs for the full year based on your prescriptions.
5. Consider Quality Ratings
Medicare assigns star ratings from 1 to 5 to help you gauge a plan's performance and member satisfaction. While a high rating is a great sign, always make sure the plan aligns with your specific financial and health requirements first.
Medicare Advantage vs.
Medicare Supplement
Read more and find the right plan for you
Medicare can be confusing,
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Added benefits of medicare advantage
The biggest difference is that Original Medicare Parts A & B are strictly for medically necessary coverage.
1. The "Big Three": Dental, Vision, and Hearing :
Original Medicare generally won't pay for
Dental: Routine cleanings, X-rays, fillings, or dentures.
Vision: Routine eye exams, glasses, or contact lenses.
Hearing: Hearing exams or the actual cost of hearing aids
2. Prescription Drug Coverage
With Original Medicare, you usually have to buy a separate "Stand-alone" Part D plan. Most Advantage plans bundle it in at no extra cost, so you only have one insurance card for everything.
3. Fitness and Wellness
Most Advantage plans include a free gym membership or an allowance for fitness classes. Original Medicare does not cover gym fees.
4. "Over-the-Counter" (OTC) Allowances
Many plans give you a flex card to buy everyday health items like Vitamins, Supplements and other everyday health items.
5. Help at Home and Transportation
Some plans offer additional non-medical support such as:
Transportation: Rides to and from your doctor appointments or the pharmacy.
Meal Delivery: Home-delivered meals for a week or two after a hospital stay.
Safety Devices: Coverage for bathroom grab bars or shower stools.
Find out if you qualify for more benefits!
Access additional benefits