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Medicare Advantage Plans (Part C)

 

A  Medicare Advantage Plan (like an HMO or PPO) is another way to get your  Medicare coverage. If you join a Medicare Advantage Plan, you still  have Medicare. You’ll get your Medicare Part A (Hospital Insurance) and  Medicare Part B (Medical Insurance) coverage from the Medicare Advantage  Plan, not Original Medicare. Medicare Advantage Plans, sometimes called  Medicare Part C, are offered by private companies that Medicare  approves. In all types of Medicare Advantage Plans, you’re covered for  emergency and or urgently needed services. Medicare Advantage Plans may  offer extra coverage, like vision, hearing, dental, and other health and  wellness programs. Most include Medicare prescription drug coverage  (Part D). In addition to your Part B premium, you might pay a monthly  premium for the Medicare Advantage Plan.

​Medicare  Advantage Plans are designed to keep individual out of pocket costs  low, compared to Original Medicare, and may require an individual to  utilize a network of doctors, hospitals, and suppliers.  Monthly  premiums are based on the carrier and availability in the service area. 

Medicare Supplement Insurance (Medigap)

 Original  Medicare pays for many, but not all, health care services and supplies.  Medicare Supplement Insurance policies, sold by private companies, can  help pay some of the health care costs that Original Medicare doesn’t  cover, like co-payments, coinsurance, and deductibles. Medicare  Supplement Insurance policies are also called Medigap policies. Medigap  Plans are identified in most states by using the letters A-N. Plan  types, premiums, and availability vary by carrier and service area. 

​Medicare Prescription Drug Plans (Part D)

 Medicare  offers prescription drug coverage to everyone with Medicare. To get  Medicare prescription drug coverage, you must join a plan run by an  insurance company or other private company approved by Medicare. Each  plan can vary in cost and specific drugs covered. There are 2 ways to  get Medicare prescription drug coverage: 1. Medicare Prescription Drug  Plans. These plans (sometimes called PDPs). 2. Medicare Advantage Plans  (like HMOs or PPOs) that offer Medicare prescription drug coverage.  Medicare Advantage Plans with prescription drug coverage are sometimes  called MAPDs. 

Dental and Vision Insurance

 Original Medicare  doesn’t offer routine dental and vision benefits.  Therefore we offer  stand alone Dental and Vision Insurance Plans that offer several  different levels of coverage.