Medicare Advantage

Medicare Advantage

Medicare Advantage plans (also called Medicare Part C plans) give people a choice between Original 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. Since Medicare Advantage plans widely vary, we’ll cover some of the most common questions.

How Do Medicare Advantage Plans Work?

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

How Does Medicare Advantage Compare to Medigap?

Part C and Medigap plans are completely different kinds of plans. Medicare Advantage replaces your Medicare coverage with private insurance, while a Medigap plan works with Medicare to provide you more comprehensive coverage.

Is Medicare Advantage Available in My State?

Part C plans are available in every state, but might not be available in your area.  Because these plans provide a network of providers you can choose from, you will need to make sure the network is convenient for you.  For example, if you have two hospitals near you, it’s important to make sure one of those hospitals is part of the plan’s network.

What Does a Medicare Advantage Plan Cover?

All Medicare Advantage plans are required to cover everything that Medicare Part A and Part B covers. Most Medicare Advantage plans also have a prescription drug benefit similar to Medicare Part D.  Some plans have added benefits such as gym memberships and rewarding you for making healthy lifestyle decisions.

If you are interested in getting more information about the alternative to an Medicare Advantage plan, visit our page on Medicare supplemental insurance.  If you are ready to get a set of quotes, fill out our online form.

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