Medicare Advantage

Medicare Advantage

Medicare Advantage plans offer an alternative way to receive your Medicare benefits through private insurance companies, often with additional benefits beyond what Original Medicare provides. There are many options for you to choose from, most with no monthly premiums other than your Part B. We're here to help you find the right one to fit your personal health needs and budget.

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Medicare Advantage: Frequently Asked Questions

  • What are Medicare Advantage Plans?
    These plans are offered by private insurance companies approved by Medicare. They provide the same benefits as Original Medicare, but may also include extra coverage.
  • How do Medicare Advantage Plans work?
    Instead of using Original Medicare, you'll get your health care coverage through the Medicare Advantage Plan. You'll still be part of Medicare, but you'll have a private insurance company managing your benefits.
  • What do Medicare Advantage Plans cover?
    These plans typically cover everything Original Medicare covers, like hospital stays and doctor visits. Plus, they might offer extra benefits.
  • Are there different types of Medicare Advantage Plans?
    Yes, there are different types such as Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Special Needs Plans (SNPs). Each type has its own rules about which doctors and hospitals you can use.
  • How much do Medicare Advantage Plans cost?
    Costs can vary depending on the plan you choose. You'll usually still need to pay your monthly Medicare Part B premium, and some plans may have additional premiums. You may also have copayments or coinsurance for services.
  • Can I join a Medicare Advantage Plan if I have a pre-existing condition?
    Yes, you can join a Medicare Advantage Plan regardless of any pre-existing conditions, except for End-Stage Renal Disease (ESRD) in most cases.
  • How do I enroll in a Medicare Advantage Plan?
    You can join during your Initial Enrollment Period when you first become eligible for Medicare, or during the Annual Enrollment Period from October 15 to December 7 each year. You can also join or switch plans during certain special enrollment periods.
  • Can I keep my doctor with a Medicare Advantage Plan?
    It depends on the plan. Some plans have networks of doctors and hospitals you must use, while others may let you see any Medicare-approved provider. It's important to check if your doctor is in the plan's network before enrolling.

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