Medicare Advantage plans combine the benefits of Medicare Part A (hospital insurance) and Part B (medical insurance). Many plans also include Part D prescription drug coverage, saving you the hassle of managing multiple plans. These plans are called Medicare Advantage Prescription Drug (MA-PD) plans. You will use your Medicare Advantage plan member ID card for all services while putting your Medicare Red, White and Blue card in a safe place. You must continue to pay your Medicare Part B premium to the Medicare Premium Collection Center unless it is already being withheld from your monthly Social Security benefit check.

Medicare Advantage plans frequently offer extra benefits that aren’t covered by Original Medicare, such as routine dental care, vision exams, hearing aids, wellness programs, and fitness memberships. These added benefits can contribute to your overall health and well-being.

Medicare Advantage plans often have a network of doctors, hospitals, labs and facilities that you can choose from. It’s important to check if your preferred healthcare providers are In-Network with the plan you choose to ensure seamless access to care. Some Medicare Advantage plans require the use of only In-Network providers. These plans are typically HMO plans; coverage outside of the plan’s network will not be covered and the charges will be 100% your responsibility. Other Medicare Advantage plans are more flexible such as HMO-POS, PPO and PFFS network plans. We will help you navigate your options. There is never any cost for our assistance.

Medicare Advantage plans may provide care coordination services, such as case management and disease management programs. These resources help ensure you receive appropriate care, manage chronic conditions, and improve your overall health outcomes.

All Medicare Advantage plans have medical out-of-pocket maximum for care received in their network, which means your share of healthcare costs are capped for the year. Some plans also have medical out-of-pocket maximums for care received In & Out of the plans network combined. Medicare Advantage plans also typically have lower monthly premiums compared to Medicare Supplement (Medigap) policies, potentially saving you money in the long run.