Medicare Advantage

Medicare Advantage Plans

Medicare Advantage Plans (Part C) allows Medicare Recipients to receive Medicare covered benefits through private health plans.  
Medicare advantage plans include Part A (Hospital Insurance), Part B (Medical Insurance) and can include Part D (Prescription Drug Coverage). You will still be responsible for your Part B Premium.
Some Advantage Plans also have extra coverage like hearing, vision and dental.
Usually there is a $0 to low premium amount, but you will have low copays.
Enrollment Period
 You may enroll in a Medicare Advantage plan during your Initial Enrollment Period. 
You may also qualify for a Special Enrollment Period. We can help you determine if you are eligible.
The Annual enrollment Period for Medicare Advantage and Prescription Drug Plans is held each year from October 15 – December 7. At this time you may replace your plan for a better one, enroll if you have Original Medicare.
It’s best to re-evaluate your Medicare Advantage Plan during Annual Enrollment Period. 
This is to make sure your plan benefits have not changed, as their plans change annually.
Be sure to Contact Senior Insurance Services during Annual Enrollment Period October 15-December7. We will look at all your options. This service is at no charge to you.
Pros of Medicare Advantage Plans  
Medicare Advantage Plans often provide more benefits than you would receive under Original Medicare.
Medicare Advantage Plans must offer at least the same level amount of coverage as Original 
Medicare Parts A and B.  Many plans offer added benefits. These benefits may include Coverage for routine vision care, hearing aids, routine dental care, precription drug coverage. There are many other benefits included. 
If you enroll in a Medicare Advantage Plan, you continue to pay your Part B premium. The insurer determines the Medicare Advantage Plans monthly premium, which can vary from one plan to another.  Some plans may have $0 premiums.
Your cost sharing may also be less with a medicare advantage plan.  For example, if you visit your primary care doctor you may have a small copay.  However, if you visit your primary care doctor under original medicare your copayment is 20%.
Also, a Medicare Advantage Plan limits your maximum out of pocket expense. Once you reach your maximum out of pocket costs, the insurance company will cover all medical expenses for the remainder of the year. Original Medicare does not provide a maximum out of pocket cap. The sky is the limit. Your potential expenses are limitless.
Medicare Advantage Plans coordinate care among your health care providers.  There are HMO and PPO plans.
Medicare advantage plans offer preapproved over the counter products. 
There are Special Medicare Advantage Plans designed for people specifically on Medicare/ Medicaid.  These plans offetr extra benefits at no charge. 
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