medicare advantage plans

What Are Medicare Advantage Plans?

Medicare Advantage (Part C) plans are private health plans approved by Medicare that combine coverage for hospital (Part A), medical (Part B), and often prescription drugs (Part D). These plans may also include additional benefits like dental, vision, or wellness programs, offering an all-in-one alternative to Original Medicare.

Our brokerage helps you find the right Medicare Advantage plan tailored to your healthcare needs and budget.

Benefits of Medicare Advantage

All-in-One Coverage: Combines hospital, medical, and often prescription drug coverage in one plan.
Extra Benefits: May include dental, vision, hearing, or wellness programs not covered by Original Medicare.
Cost Savings: Often lower premiums than Medigap, with out-of-pocket maximums for predictable costs.
Coordinated Care: Many plans (e.g., HMOs) offer care coordination to streamline your healthcare experience.

Types of Medicare Advantage Plans

Medicare Advantage plans come in different types, each with unique features. Here are common options:

HMO Plans

Health Maintenance Organization plans require you to use a network of providers and a primary care physician for referrals, offering lower costs and coordinated care.

PPO Plans

Preferred Provider Organization plans allow you to use out-of-network providers at a higher cost, offering more flexibility.

Special Needs Plans (SNPs)

Designed for specific groups, like those with chronic conditions or dual eligibility for Medicare and Medicaid, with tailored benefits.

Medicare Advantage vs. Medigap

Choosing between a Medicare Advantage plan and a Medicare Supplement (Medigap) plan depends on your needs and budget. Compare below:

Feature	Medicare Advantage	Medigap
Coverage	Replaces Original Medicare; includes Parts A and B, often Part D, and extras like dental.	Works with Original Medicare to cover out-of-pocket costs like deductibles and coinsurance.
Provider Network	Uses HMO or PPO network.	No network; use any Medicare provider.
Cost	Lower premiums, possible copays/maximums.	Higher premiums, lower out-of-pocket costs.
Additional Benefits	May include dental, vision, hearing.	Covers Medicare gaps; no extras like dental.
Prescription Drugs	Often includes drug coverage (MAPD).	Needs separate Part D plan.
Flexibility	Suits those okay with networks, seeking extras.	Great for travelers or provider choice.

Our brokers can help you decide between Medicare Advantage and Medigap based on your needs.

Explore Your Options

Our brokers will find a Medicare Advantage plan that fits your needs.