Medicare Advantage (Part C)

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.

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 Advantage 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
• Many plans also cover dental care, eyeglasses, and wellness programs
• Most plans also include prescription drug coverage
• Your eligibility isn’t affected by health or financial status
• Premiums are low

Medicare Advantage Down Side

• You’re restricted to certain doctors in your network (unless it’s an emergency)
• Plan premiums can change from year to year
• Difficult to switch to Medigap later on
• Plan benefits can change from year to year
• You’re subject to high deductibles and co-pays that vary by plan

What kind of plans can I choose from?

These are usually network plans such as HMOs and PPOs with copayments and coinsurance found all throughout the plan based on services rendered.

The Medicare Advantage plans you can choose from depend on your county. Matt helps people in Genesee, Oakland, Lapeer, Shiawassee and Saginaw counties compare the plans offered where they live, side by side with Original Medicare and a Medicare Supplement.

How would I enroll?

Fill out the form and we will be in contact soon or call us at 810-432-0525.