Medicare Advantage

Medicare Advantage plans, also known as Medicare Part C, are private insurance alternatives to traditional Medicare. About one-third of Medicare beneficiaries choose these plans because they combine Medicare Part A (hospital insurance), Part B (medical insurance), and often Part D (prescription drug coverage) into a single, convenient plan.

In addition to covering all the services that Original Medicare provides, many Medicare Advantage plans also include extra benefits such as dental, vision, and hearing coverage. However, it’s important to know that while these plans may offer added perks, they can also come with copayments and other out-of-pocket costs that may be higher than with Original Medicare.

Provider Networks & Travel Considerations
Most Medicare Advantage plans operate like employer-provided health insurance, meaning you may have fewer provider choices compared to Traditional Medicare. With Original Medicare, you can see any doctor who accepts Medicare nationwide. With Medicare Advantage:

• HMO plans require you to use in-network doctors and hospitals.

• PPO plans offer more flexibility but may cost more when going out-of-network.

Since Medicare Advantage plans are regional, your coverage may not travel with you. If you move or spend extended time in another state, you may need to change plans.

Why People Choose Medicare Advantage
Many enrollees pay no additional monthly premium beyond their Part B premium. If you’re generally healthy and use in-network providers, Medicare Advantage can be a cost-effective choice—especially with the extra benefits it offers.

Get Expert Help Choosing a Plan
Medicare Advantage is not one-size-fits-all. We can help you compare your options and decide whether it’s the right fit for your needs and lifestyle. Contact us today to learn more.