Medicare Advantage (Part C)
Medicare Advantage Plans are a type of Medicare health plan which offer an alternative way to receive benefits compared to Original Medicare.
One major difference is that Advantage plans are offered by private companies that contract with Medicare annually to provide all your Part A and Part B benefits.
You must have Medicare Part A and Part B to be eligible. Although you pay your Part B premium to Medicare, the Advantage plan replaces your benefits under Original Medicare. This means that they decide how your benefits under the plan will be administered as well as the cost for each.
Many Medicare Advantage Plans also offer prescription drug coverage.
Since Medicare Advantage Plans are not standardized like Medigap plans, they can be much harder to compare and to understand. These plans are often advertised by including "everything" for a "zero" premium.
Keep in mind and "zero premium" does not equal free. Medicare Advantage plans usually include deductibles, out-of-pocket maximums, and copays for most services.
Medicare Advantage plans typically use a network of providers. This means that you will either pay more or have no coverage when you visit providers that are outside of the plan's network.
Medicare Advantage Plans are not guaranteed renewable. This means if a private company decides not to renew the contract with Medicare, they do not need to continue your coverage.
Don't struggle alone!
There are many Medicare Advantage plans to choose from and they vary greatly regarding monthly premiums, deductibles, cost sharing and network providers.
You want to make sure whatever Advantage plan you settle on, all your doctors accept the plan you choose.
Our Smooth Medicare Service will connect you with a licensed agent who will show you a side-by-side comparison of each available plan based on your unique health and financial situation.
Call (443)-900-4534 to get help with your plan.