Understanding Medicare Advantage coverage isn't easy. Our health insurance agents are standing by to help you navigate this complex marketplace and get you the coverage you need. Open enrollment may be over, but you still have options.
After connecting with a specialist, you'll receive a quote for your new policy and have the option to book. Getting a quote couldn't be simpler.
Medicare Advantage Plans are private insurance plans intended to be a holistic alternative to Medicare. These plans bundle Medicare Part A, Medicare Part B, Prescription Coverage (Medicare Part D) and more. If you are currently enrolled in a Medicare Supplemental plan or a Medigap plan, you cannot sign up for Medicare Advantage without first dropping your plan. In order to enroll in a plan during special enrollment, you'll need proof of a qualifying life event (such as job loss). An expert can help.
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Medicare Advantage (sometimes called Part C) is a holistic coverage that is an alternative to the original Medicare plan. Where Medicare is more of an a la carte system (selecting from Parts A, B, and D), Medicare Advantage bundles much of the coverage into one plan.
Medicare Advantage more resembles the private insurance plans you likely had under your employer with PPO and HMO options. With Medicare, you would be able to visit any provider who accepts Medicare insurance, as opposed to staying “in-network” on the plan. Medicare Advantage also offers some coverage not available under original Medicare such as dental and vision and even gym memberships.
With Medicare, you enroll in separate elements of the plan to cover your needs. With Medicare Advantage, you enroll in a single plan that combines Parts A and B and may also cover additional services not in those original plans. You would still need to apply during your Open Enrollment period.
Medicare Advantage allows for more streamlined enrollment and more comprehensive benefits, however there are some limitations that may affect your choice. For example, if you travel a lot or have multiple homes you frequent, it's important to note Medicare Advantage is often bound geographically for who is in network and, if you travel to more rural areas often, you will be less likely to find an in-network provider. That being said, neither plan will cover your health care outside the country. For that you would need separate traveler's insurance.