Medicare Advantage

Medicare Advantage plans (also called Medicare Part C or MA plans) were created to give people a choice between traditional Medicare and a private option.  This was a major change from a one size fits all Medicare program to an option for seniors to pick a plan that may better meet their needs.  If you are already familiar with Medicare Part C and came here to get a quote you can fill out the form on the side of this page.  Since Medicare Advantage plans vary so widely, we will be covering some of the most common questions that we get instead of trying to explain details of any one specific plan.

How Do Medicare Advantage Plans Work?

A Medicare Part C plan works just like most other private health insurance plans.  This means you have many options to choose which one works best for you.  So whether you go with AARP or Humana or if you choose a PPO or an HMO is up to you.  The beauty of these plans is that they help you get the exact coverage you need.

How Does Medicare Part C Compare to Medigap?

These are two completely different kinds of plans.  As we said before Medicare Part C replaces you Medicare coverage with private insurance.  A Medigap plan works with Medicare to provide you more comprehensive coverage.  You can get more information on the differences of these two options our post Medicare Advantage vs Medigap HERE.

Are They Available in My State?

MA plans are available in every state.  The real question is whether they are available in your area.  Since these plans tend to provide you with a network of providers from which you can choose you will need to make sure that the network is convenient for you.  For example, if you have two hospitals that are close to where you live you want to make sure one of those hospitals is part of the network that your plan gives you.

What Do They Cover?

With all MA plans they are required to cover everything that is in Medicare Part A and Part B.  Most of the plans will also have a prescription drug benefit similar to Medicare Part D (you can learn more about Medicare Part D HERE).  Past that it really depends on the plan you choose.  Some go so far as to help with gym memberships and reward you for making healthy lifestyle decisions.  The truth with any of these plans is that you will not know until you get a quote.

Thank you for using our site to answer your questions.  If you are interested in getting more information about the alternative to an MA plan we have our page on Medicare supplemental insurance HERE.  If you are ready to get a set of quotes so you can see all the different options you have, please fill out the form on the side of this page.

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