What is a Medicare Advantage?

Medicare Advantage, also known as Medicare Part C, is a plan provided by private insurance companies with the help from subsidies provided by the government so that the insurance company can design network based plans at a low or zero premium. And, many copays as low as $0.


These plans are normally designed with copays and coinsurance throughout the plans as a form of cost share that the client would assume when joining one of these plans. Most plans will include additional benefits at no additional cost to you such as dental, vision, and/or hearing benefits as an example.


So let's take a closer look at Medicare Avantage Plans.

Medicare Advantage Upside:

  • It’s convenient to have a single plan for everything

  • The plan covers everything traditional Medicare covers (hospital insurance and medical insurance) as well as emergency and urgent care

  • Allows for emergency and urgent care coverage WORLDWIDE.

  • Many plans also cover dental care, eyeglasses, Gym membership and wellness programs

  • Most plans also include prescription drug coverage

  • Many plans give you an allowance for OTC items such as cold/flu, vitamins, first aid, etc.

  • Your eligibility isn’t affected by health or financial status (no exclusions for prerequisite conditions)

  • Premiums are as low as $0/month

  • Many copays at low at $0

  • Maximum Out Of Pocket (MOOP) protection. Each plan caps your annual medical costs, protecting you financially from runaway health costs.

Medicare Advantage Down Side:

  • You must use doctors in your network (unless it’s an emergency)

  • Might be difficult to switch to Medigap later on

  • Plan benefits can change from year to year

  • Expect to have co-pays for services that can range from $0 - $499

What kind of plans can I choose from?


See Which Plans Are In Your Area Today

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