Medicare Advantage Plans

What is a Medicare Advantage Plan?

A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.

Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.

If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare.

Most Medicare Advantage Plans also offer prescription drug coverage.

What do Medicare Advantage Plans cover?

Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you’re in a Medicare Advantage Plan. In all types of Medicare Advantage Plans, you’re always covered for emergency and urgently needed care.

Medicare Advantage Plans may offer extra coverage, like vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). In addition to your Part B premium, you usually pay a monthly premium for the Medicare Advantage Plan.

You can also ask the plan for a written advance coverage decision to make sure a service is medically necessary and will be covered. If the plan won’t pay for a service you think you need, you’ll have to pay all of the costs if you didn’t ask for an advance coverage decision.

If you’re nearing 65, you are probably wondering about your health care coverage options. And if you have a parent who is turning 65 or older, they may ask you for help regarding their Medicare health insurance coverage.

When it comes to finding affordable health insurance options, you can spend hours doing your own research or you can make a single call to PBC Insurance Group. We’ll search hundreds of plans from nationally recognized companies to find the coverage that’s right for you.

Please keep in mind we do not charge for our services. When choosing a plan, your payment goes directly to the carrier. Per CMS guidelines, we can not discuss details or benefits of any Medicare Advantage plan without either a signed or telephonic a Scope of Appointment.

Contact us  to learn more about the right Medicare Advantage plan for you.

medicare advantage quote