New to Medicare, aging into Medicare, lost your health insurance, on Medicare but recently moved, or have a special enrollment period?
Call us at the toll-free number above, and a licensed insurance agent will address your questions on Medicare Advantage Plan options.
Medicare Advantage Insurance plans could offer a wide range of benefits.
Contact us to speak with a licensed insurance agent.
Discuss your insurance needs and enrollment status.
Review Medicare Advantage plans that may include additional benefits.
Enroll in a Medicare Advantage plan and, once effective, start receiving plan benefits.
A Medicare Advantage Plan is another way to get your Original Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Original Medicare. If you enroll in a Medicare Advantage Plan, you’ll still have Original Medicare but you’ll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare.
☎ Get Your Plan ReviewYou may be eligible for a Medicare Advantage Plan (like an HMO or PPO) with additional benefits. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private insurance companies approved by Original Medicare. Medicare Advantage Plans often provide additional benefits not provided by Original Medicare and provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage.
With a Medicare Advantage Plan, you may have coverage for things Original Medicare doesn’t cover, like vision, hearing, and/or routine dental checkups or cleanings.
In most HMOs, you can only go to doctors, other health care providers, or hospitals in the plan’s network, except in an urgent or emergency situation. You may also need to get a referral from your primary care doctor for tests or to see other doctors or specialists.
In a PPO, you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. You usually pay more if you use doctors, hospitals, and providers outside of the network.
PFFS plans are similar to Original Medicare in that you can generally go to any doctor, other health care provider, or hospital as long as they accept the plan’s payment terms. The plan determines how much it will pay providers and how much you must pay when you get care.
SNPs provide focused and specialized health care for specific groups of people, like those who have both Medicare Part A & B and Medicaid, or have Original Medicare and live in a nursing home.
These are HMO plans that may allow you to get some services out-of-network for a higher copayment or coinsurance.
Make the right decision to fit your needs
Licensed insurance agents in your area could check your eligibility to enroll and help you find a plan that fits your needs and budget.
For a deeper understanding, here are the most common, frequently asked questions about us.
The Flex Spending Allowance may help eligible Medicare Advantage plan members who are diagnosed with multiple qualifying chronic conditions, such as diabetes, chronic heart failure, or cardiovascular disorders, pay for eligible essential living expenses like groceries*, utilities*, transportation*, over-the-counter (OTC) products, and more at participating retailers. Healthy Options Allowance amounts vary by plan and location. Monthly allowances cover a minimum of $xxx per year.
To determine if a Medicare Advantage plan in your area offers flex card benefits or SSBCI, you should:
SSBCI Disclaimer: This spending allowance is a special program for members with specific health conditions. Qualifying conditions include diabetes mellitus, cardiovascular disorders, chronic and disabling mental health conditions, chronic lung disorders, or chronic heart failure, among others. Some plans require at least two conditions and other requirements apply. See the plan’s Evidence of Coverage for details. If you use this program for rent or utilities, Housing and Urban Development (HUD) requires it to be reported as income if you seek assistance. Contact your local HUD office if you have questions.
You can only enroll in a Medicare Advantage Plan (Part C) or Medicare drug plan (Part D) at certain times, called enrollment periods.
| Enrollment Period | Who Needs It | Purpose | When |
|---|---|---|---|
| Initial Enrollment Period (IEP) | Turning 65 | Enroll in Original Medicare and possibly a Medicare Advantage Plan | 3 months before your 65th birthday, your birthday month, and 3 months after your 65th birthday month |
| Medicare Advantage & Prescription Drug Plan Annual Enrollment Period (AEP) | Medicare Parts A & B enrollees | Reevaluate coverage & make changes | October 15 – December 7 |
| Special Enrollment Period (SEP) | Varies — only for certain life situations, like moving to a new address, losing or changing current coverage, getting Medicaid, or getting Extra Help to pay drug costs, and more. | Generally, you can enroll in a Medicare Advantage Plan (with or without drug coverage) or a Medicare Prescription Drug Plan, or enroll in a different plan. Starting January 1, 2024, if you sign up for Part A and/or Part B during a Special Enrollment Period because of an exceptional situation, you’ll have 2 months to enroll in a plan or a different plan. | Varies. Generally, the first of the month after the plan gets your request. Eligibility varies by qualifying conditions. |
| Medicare Advantage Open Enrollment (OEP) | Only if you’re already in a Medicare Advantage Plan | Enroll in a different Medicare Advantage Plan (with or without drug coverage); drop your Medicare Advantage Plan and return to Original Medicare; or enroll in a Medicare Prescription Drug Plan | January 1 – March 31, and within the first 3 months you get Medicare |
Source: https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan
Speak with a licensed insurance agent to review your plan options and possibly enroll in a Medicare Advantage Plan during one of these enrollment periods.