Part C Medicare Advantage

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Medicare Part C is often referred to as Medicare Advantage and is provided by private healthcare insurance companies approved by Medicare. These Part C plans cover all services under Part A (Hospital Insurance) and Part B (Medical Insurance) and often additional benefits such as vision, hearing, dental, and health and wellness programs. Some plans include Medicare prescription drug coverage (Part D).In addition to your Part B premium, you usually pay one monthly premium for the services included and some plans offer coverage with no additional premium.

Part C plans include HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), Private Fee for Service Plans, and Special Needs Plans (SNP). Part C plans usually have a cost-sharing schedule that includes copayments and/or coinsurance for covered services and plan participants visit the physicians and hospitals within the plan’s limited service area network.

Things to consider

As you decide whether a Part C plan is right for you, here are some important considerations:

  • Medicare Advantage may be less expensive for you in the short term. For long-term financial security, consider a Medicare Supplement plan.
  • These plans operate regionally, which could be a good choice for people who do not travel.
  • As your needs change, you have some flexibility for changing your mind and switching plans or carriers during Annual Enrollment periods.
  • You may be limited to the doctors and facilities within the HMO or PPO and it may or may not cover any out-of-network care, so be sure to check if your doctors and facilities are in the plan beforehand.
  • You can join a Medicare Advantage Plan even if you have a preexisting condition, except for end-stage renal disease (ESRD).

 

*FAST FACTS*

  • Medicare Advantage plans are not considered Supplement coverage. In fact, you don’t need to buy, and cannot be sold Medicare Supplement Insurance policy while you’re in a Medicare Advantage Plan, so a Supplement policy won’t cover your Medicare Advantage Plan deductibles, copayments or coinsurance.
  • Each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services, such as whether you need a referral to see a specialist. Let a SeniorQuote Licensed Agent help you shop available plans and find the one that best meets your needs.
  • Plan rules change every year and the plan must notify you about any changes before the start of the next enrollment year. They also differ by region, which is why we ask for your ZIP code when you request a quote online.
  • While most pre-existing conditions are covered, your services may not be covered or your costs could be higher if the doctor, supplier or facility you visit does not belong to the plan. Call an expert Agent at SeniorQuote to walk you through your options and simplify it all for you.

Questions?

A SeniorQuote Licensed Agent can help answer any questions you have about a Medicare Advantage Part C plan. Our agents are specialists about the issues that matter the most to you. You’ll get easy to understand, unbiased information to simplify finding and selecting the right policy and have confidence that you’re making the smartest choice for you and your family.

What’s more SeniorQuote is licensed in all 50 states, and has the unique ability to help you shop more than 30 insurance carriers, doing all the legwork to thoroughly compare them for you. One call to a SeniorQuote Licensed Agent can get you the coverage you need at the best price possible.

For an expert recommendation you can trust, call SeniorQuote today or request a quote online.