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“We do not offer every plan available in your area. Currently we represent 7 organizations which offer 54 products in your area. You can always contact MEDICARE.gov, 1-800-MEDICARE or your local state health insurance program for help with plan choices..”
medicare advantage (Part c)
Medicare Advantage plans or "Medicare Part C" type plans are contracted with Medicare to deliver the administration of Medicare through a private insurer. Some of these types of plans include prescription dug coverage and can have some additional benefits original Medicare does not include.
As your local agent we help with issues and annual reviews, I'm paid by the insurance carriers, so our service costs you nothing, and you'll pay the same rate whether you go direct or work with a local agent, we'd like to do the work for you!
Medicare Advantage plans are offered by private insurance companies that contract with Medicare to help with the cost left behind by Medicare Part A and B with smaller co-pays and a maximum out of pocket. These plans have the following features and benefits:
- No or Low monthly Premiums
- Network based care
- Maximum Out of Pockets
- Some Additional Benefits Available (Dental, Vision, Hearing, OTC products)
- No Deductibles
- Multiple Plans to Choose from
- Many have Part D drug plans included
Medicare advantage plans are contracted with Medicare each year and can and often change year to year, that is one reason why a Medicare Advantage plan is subject to the annual enrollment period each year from October 15th through December 7th. There are other times of the year an individual may enroll, here is the complete list. Beginning 2019 you have a last chance enrollment you can use one time from January 1st to March 31st each year. This is called Medicare Advantage Open Enrollment Period, or (MAOEP). Medicare Advantage plans are mostly HMO based network type plans with service area restrictions. Many Medicare Advantage plans have prescription plans included and also have some additional benefits that are not part of original Medicare like gym memberships or vision and dental.
As your local agent we help with issues and annual reviews, I'm paid by the insurance carriers, so our service costs you nothing, and you'll pay the same rate whether you go direct or work with a local agent, we'd like to do the work for you!
UP NEXT: Medicare Supplements
Find out more at Medicare.gov