Medicare Advantage Plans

Medicare Advantage Plans with Personal Service

With the dozens of Medicare Advantage plans on the market, how do you know which one is right for you? With our unique comparison tool, we look at your individual needs and determine the plan that best suits you.

We offer plans from the top carriers in the nation including Aetna, Humana, United Healthcare, and more.

We understand that your safety is paramount during this time. We offer in person consultations in our office or your home, as well as virtual appointment via Zoom. 

What is Medicare Advantage Part C?

Medicare Advantage is a type of Medicare health plan that uses private insurance companies to provide all of your Part A and Part B services. Most Medicare Advantage plans also include Part D prescription drug coverage. Medicare Advantage must be as good or better than Original Medicare. 

When Can I Sign Up for a Medicare Advantage Plan?

There are specific times that you can enroll in a Medicare Advantage plan or make changes to your current plan. 

Some examples are:

  • During your Initial Enrollment period when you turn 65 or when you become eligible for Medicare
  • During the open enrollment period each year – currently October 15 – December 7
  • Under special circumstances that qualify you for a Special Enrollment period. Consult Medicare.gov for examples of eligible circumstances.

What Qualifies You for a Medicare Advantage Plan?

In most cases, you are eligible to enroll in a Medicare Advantage plan as long as you:

  • Are enrolled in Medicare Part A and Part B, or are eligible for them
  • Live in the service area of the plan

 

Feel free to give us a call to find a plan in your service area. We can help Medicare clients that reside in Tennessee, Missouri, Florida, Texas, South Carolina, and Mississippi.

What are the Advantages and Disadvantages of Medicare Advantage Plans?

Advantages of Medicare Advantage Plans:

  • Low to no premium – Medicare Advantage plans are very affordable verses Medicare supplements. Most areas will offer low to no premium plans.
  • Personalized plan options – There are many specialized plan options when it comes to Medicare Advantage. Many carriers offer plans geared to chronic conditions, Veterans, or individuals that receive Medicaid benefits. Many plans also will offer extra services like dental, hearing, or vision benefits.
  • Convenient – Rather than having to keep up with a Medicare Parts A and B, a Medicare supplement, and a prescription drug plans, Medicare Advantage gives you all of your coverage options in one convenient plan.

 

Disadvantages of Medicare Advantage Plans:

  • Limited service area – Most Medicare Advantage plans require you to use in-network providers and have very limited coverage outside of the plan’s service area. You will usually encounter higher out-of-pocket costs if you use an out-of-network provider.
  • Additional costs – Many Medicare Advantage plans require copays and deductibles for services. These costs can add up if you require frequent doctor visits or hospital stays. Be sure to take note of the maximum out-of-pocket costs on any plan you are considering.
  • Many plan options – There are often dozens of Medicare Advantage plans offered in each plan area, which can be overwhelming. We offer a unique comparison tool that allows you to compare plans with the top carriers, fitting you to the best physician network and prescription formulary for your needs. 

 

Call us today at 615-919-1009 to schedule a consultation

or click the link to start a quote!