A Medicare Advantage plan, also known as Part C, is available through private insurance companies that are approved by Medicare.  When you purchase a Medicare Advantage plan, you still have Medicare. (Medicare Advantage plans are not a supplement.) 

Medicare Advantage plans tend to package several parts into one plan.  For example, a Medicare Advantage plan includes Part A (hospital coverage), Part B (medical coverage), and sometimes even Part D (prescriptions). It covers emergency services and urgent care visits, but not hospice care.  All hospice care services are covered by Original Medicare, even if you are in a Medicare Advantage Plan.

Some Medicare Advantage plans have features that many people find attractive, such as:

  • Dental
  • Hearing
  • Vision
  • Health & Wellness programs

HMO - Health Maintenance Organization Plans 

  • Plan provides a list of doctors, other health care providers, and hospitals
  • You choose a primary care physician from the list provided
  • Referrals from you primary care physician may be needed to see a specialist (except in an emergency)

PPO - Preferred Provider Organization Plans

  • Plan contracts with a network of doctors, hospitals, and other health care providers
  • In-Network providers cost less
  • Out-of-Network providers cost more

PFFS - Private Fee-for-Service Plans

  • Do not need a primary care physician
  • Do not need referrals to see a specialist
  • May or may not have in-network and out-of-network providers, depending on the plan
  • Your provider can choose at every visit whether or not to accept your plan's terms and conditions of payment.

SNPs - Special Needs Plans

  • Click HERE to see if you qualify for a Medicare SNP.
  • SNPs cover the same Medicare services that all Medicare Advantage plans must cover.  
  • SNPs may also cover extra services tailored to the special groups they serve, like extra days in the hospital.
  • Some SNPs offer a case coordinator to help you stay healthy.

There are many Medicare Advantage plans available in the marketplace. We are happy to review your needs and help you find a plan that is right for you. We work with all of the major carriers to present you with an unbiased, personalized recommendation. Call us today to schedule your customized review.