Medicare Advantage

MEDICARE ADVANTAGE

Medicare Advantage Plans also referred to as “Part C” by Medicare. A Medicare Advantage Plan is not a Supplement Plan, it does not pay the bills that Medicare does not pay. Instead, if you choose a Medicare Advantage Plan you will use that coverage instead of using Original Medicare Part A and Part B.

You may see Medicare Advantage Plans advertised on TV by a former pro football star that offers $0.00 premium Plans and have many extra benefits (value-added benefits)** you may be entitled to.  If you choose a Medicare Advantage Plan you will still be required to pay your Medicare Part B premium.

With Medicare Advantage Plans, you will have a Network of Providers. This means that you will have an HMO, PPO, or PFFS. (You will have to go to certain Doctors and hospitals.) Some Advantage Plans also require a Referral to see a Specialist and Prior Authorization for certain tests and treatments.

Some Medicare Advantage Plans have additional value-added** benefits that Medicare alone does not have:

• Dental
• Vision
• Hearing
• Gym Membership
• OTC Benefits

Look at the chart below for some general differences between Medigap and Medicare Advantage Plans:

For a customized Medicare Advantage proposal, including your current Doctors and prescriptions click here…

**Keep in mind that most value-added benefits require you to receive benefits from in-network providers. Don’t be surprised if these benefits are not available in your county or your current Dentist or Gym does not participate, for example.

***If you choose a Medicare Advantage Plan and later want to upgrade to a Supplement Plan, you will be subjected to Medical Underwriting after your initial 12 Month Trial Period. In other words, you could be limited to Medicare Advantage Plans from this point on.