Medicare Advantage

Part C
A Medicare Advantage plan is a type of health plan offered by a private insurance company that contracts with Medicare. The Advantage Plans provide all of your Part A and Part B benefits. It is also referred to as Medicare Part C.
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What is Medicare Advantage?

As an alternative insurance option offered through private companies for those eligible for Original Medicare, Medicare Advantage Plans, known as Medicare Part C, provides the same benefits as Part A & Part B coverage. However, it offers extra benefits usually not covered by Original Medicare, such as dental, vision, hearing, housekeeping, caregiver training and counseling, and prescription drug coverage.

Some insurance plans have low to no monthly premiums; however, you will still be expected to pay a Part B premium. You will also be required to only go to doctors within the plan’s networks or risk more charges. The benefit is that there is a cap on how much you pay out of pocket each year.

Anyone enrolled in Original Medicare is eligible for a Medicare Advantage Plan, excluding those suffering from end-stage renal failure. These plans are considered exclusive from Medicare Supplement plans, and those with a Medicare Advantage Plan are not eligible for a Medicare Supplement plan. However, Medicare Advantage plans can be bundled with Medicare’s prescription drug coverage Part D plans.

Types of  Medicare Advantage Plans

In most cases, insurance companies will offer four types of Medicare Part C plans. These plans are Health Maintenance Organization (HMO) Plans, Prefered Provider Organizations (PPO), Private Fee-For-Service Plans, and Special Needs Plans.

HMO plans have a specific network and will require you to choose a primary care physician who will refer you to specialists. PPO plans are more flexible with the trade-off of a higher cost. They do have a network, but out-of-network coverage can still be covered. Private Fee-For-Service plans offer the maximum flexibility but might cost more in the long run. Special Needs Plans are offered to those with chronic conditions with tailored healthcare needs.

Medicare Benefits | Elite Insurance Group
Medicare Advantage Plans | Elite Insurance Group

How do you enroll?

You may enroll in a Medicare Advantage plan during your Initial Enrollment period, which is the same time you can enroll in Medicare Part A, Part B, Part D, and Supplements. This period is three months before your 65th birthday and three months after. If eligible through Social Security benefits, you can enroll after receiving benefits for 24 months, extending to three months later.

Other times you may be able to enroll, such as during a Special Election Period. Still, it is generally recommended to register during the Initial Enrollment period or risk hefty fees.

Call an independent insurance agent to find the best options

Elite Insurance Group is here to help you find the best Medicare Advantage plan. We work with and sell the policies of numerous insurance companies to provide you with the best option for your needs. With years of experience helping people find Medicare coverage, there is no better choice than Elite Insurance Group.

Looking for a hassle-free way to learn about Medicare Part C?

When it comes to choosing the right Medicare Advantage plan, we keep it real.

We can explain your options clearly and give you multiple quotes so that you can compare your options. And we’ll only enroll you in a plan if it’s your best option. We are available Mon – Thurs 8:30 am – 5 pm and Fri 8:30 am – 3 pm. You can also send us a message through our website or email.