[New to Medicare, Aging into Medicare, Lost your Health Insurance, On Medicare but have recently moved?] [, or have a special enrollment period?]
Make Your Coverage Simpler
Call us at the toll free number above, and a licensed insurance agent will address your questions on Medicare Advantage Plan options.
REVIEW PLAN OPTIONS
By providing your information, and/or utilizing the Service, you agree to our Website’s Privacy Policy and Terms and conditions. You provide your express written consent via this chat / webform to be contacted regarding various insurance products, including but not limited to Medicare Advantage, Medicare Supplement, Prescription Drug insurance plans, and other health-related services via live telephone call, text, or email or other forms of electronic communication such as a mobile application’s push notifications to the contact information you provide by interaction with a licensed sales agent associated with Top Insurance Offer, any one or more of marketing partners or indirect subsidiaries, sister companies, or parent companies, or any of their employees or independent contractors or other affiliates, even if the phone number provided is on the National Do Not Call registry, regarding the Service (as defined in the Terms and conditions and Privacy Policy) generally as well as regarding news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or inquired about. I acknowledge that submitting false information may subject me to liability. Providing consent is not a condition of receiving any goods or services. Consent can be revoked by any reasonable means. Telephone company may impose additional charges on subscriber for messages and calls. This is a solicitation for insurance. Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. I understand this request has been initiated by me and is an unscheduled contact request. I further understand that this request, initiated by me, is my affirmative consent to be contacted which is in compliance with all federal and state telemarketing and Do-Not-Call laws.
How It Works
Medicare Advantage Insurance plans could offer a wide range of benefits.
.01
Connect with Your Licensed Insurance Agent
Contact us to speak with a licensed insurance agent.
.02
Tell Us What Matters
Discuss your insurance needs and enrollment status.
.03
Review Your Options
Review Medicare Advantage plans that may include additional benefits
.04
Get Enrolled
Enroll in a Medicare Advantage plan and once effective start receiving plan benefits.
How Do Medicare Advantage Plans Work?
A Medicare Advantage is another way to get your Original Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Original Medicare. If you enroll in a Medicare Advantage Plan, you’ll still have Original Medicare but you’ll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare.
Medicare Advantage Plan
What’s A Medicare Advantage Plan?
You may be eligible for a Medicare Advantage Plan (like an HMO or PPO) with additional benefits. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private insurance companies approved by Original Medicare. Medicare Advantage Plans often provide additional benefits not provided by Original Medicare. Provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage.
With a Medicare Advantage Plan, you may have coverage for things Original Medicare doesn’t cover, like vision, hearing, and/or routine dental checkups or cleanings.
There Are The Different Types Of Medicare Advantage Plans:
Health Maintenance Organization (HMO) plans—In most HMOs, you can only go to doctors, other health care providers, or hospitals in the plan’s network, except in an urgent or emergency situation. You may also need to get a referral from your primary care doctor for tests or to see other doctors or specialists.
Preferred Provider Organization (PPO) plans—In a PPO, you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. You usually pay more if you use doctors, hospitals, and providers outside of the network.
Private Fee-for-Service (PFFS) plans—PFFS plans are similar to Original Medicare in that you can generally go to any doctor, other health care provider, or hospital as long as they accept the plan’s payment terms. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how
much you must pay when you get care.
Special Needs Plans (SNPs)—SNPs provide focused and specialized health care for specific groups of people, like those who have both Medicare Part A & B and Medicaid, or have Original Medicare and live in a nursing home.
HMO Point-of-Service (HMOPOS) plans—These are HMO plans that may allow you to get some services out-of-network for a higher copayment or coinsurance.
Some plans benefits may offer one or more of the following:
- Low or $0 Plan Premium – Many Medicare Advantage plans offer low or $0 monthly premiums.
- Dental Coverage – Original Medicare does not cover dental services including checkups and cleanings. Medicare Advantage plans with dental coverage may provide coverage for dental care including access to a network of qualified dentists, routine care, and possibly more.
- Hearing Coverage – Medicare Advantage plans with this additional benefit may provide coverage for routine hearing care.
- Vision Coverage – Medicare Advantage plans with this additional benefit may provide coverage for routine eye exams and screenings.
- OTC Benefit – OTC benefit may help you save money on a wide range of over-the-counter health and wellness products. Different Medicare Advantage plans may have different OTC benefits.
Why People Choose Us
May help people review affordable Medicare Advantage plans
May help you save on medical out-of-pocket costs
May be able to keep your current doctor
Make the right decision to fit your needs
We Are Here to Help!
Licensed insurance agents in your area could check your eligibility to enroll and help you find a plan that fits your needs and budget.
- Free Plan Review With No Hidden Costs And Fees. There is no obligation to enroll.
- Access To Multiple Health Insurance Companies.
- Find Your Plan
- Guidance Throughout The Enrollment Process.
LET’S CONNECT
Have questions or need help? Call us at the toll free number above and a licensed insurance agent will address your questions.
FAQ’S
For a deeper understanding, here are the most common, frequently asked questions about us.
Who can enroll in a Medicare Advantage Plan?
You must have Medicare Parts A and B and live in the plan’s service area to be eligible to enroll. As Per Medicare.gov: People having Medicare Part A & B can choose either Original Medicare or a Medicare Advantage Plan when deciding how to get a Medicare Plan.
How much do Medicare Advantage Plans cost?
In addition to your Part B premium and plan premium if applicable, you usually pay a deductible, copay, or coinsurance for the services included in a Medicare Advantage Plan. Each Medicare Advantage Plan has different premiums and costs for services, so it’s important to review plans in your area and understand plan costs and benefits before you enroll.
Does Medigap policies cover everything?
Medicare Supplement policies generally don’t cover long-term care, vision or dental care, hearing aids, or eyeglasses. Medigap plans can not be combined with Medicare Advantage Plans.
How do I decide which Medicare Part D Prescription Drug plan is right for me?
Choosing the right stand-alone Medicare prescription drug plan can help you effectively maintain your costs and health. Be sure to consider the following factors before enrolling in Medicare prescription drug coverage: Do you take or require specific medications? Do you want extra protection from high prescription drug costs? Do your expenses need to be balanced throughout the year? Do you need coverage for medications you currently take, or do you want coverage as a safety measure?
What is the Flex Spending Allownce?
The Flex Spending Allowance may help eligible Medicare Advantage plan members who are diagnosed with multiple qualifying chronic conditions, such as diabetes, chronic heart failure, or cardiovascular disorders, pay for eligible essential living expenses like groceries*, utilities*, transportation*, over the counter (OTC) products, and more at participating retailers. Healthy Options Allowance amounts vary by plan and location. Monthly allowances cover a minimum of $xxx per year.
To determine if a Medicare Advantage plan in your area offers flex card benefits or SSBCI, you should:
Use the official Medicare Plan Compare tool to search for available plans in your specific location.
Review the specific plan’s “Evidence of Coverage” document to understand the exact benefits, allowance amounts, and eligibility requirements.
SSBCI Disclaimer: *[This spending allowance] [Extra Debit] [Chronic Condition Care Assistance] [Music Therapy] is a special program for members with specific health conditions. Qualifying conditions include diabetes mellitus, cardiovascular disorders, chronic and disabling mental health conditions, chronic lung disorders, or chronic heart failure, among others. Some plans require at least two conditions and other requirements apply. See the plan’s Evidence of Coverage for details. [If you use this program for rent or utilities, Housing and Urban Development (HUD) requires it to be reported as income if you seek assistance. Contact your local HUD office if you have questions.]
Eligibility to Enroll
You can only enroll in a Medicare Advantage Plan (Part C) or Medicare drug plan (Part D) at certain times, called enrollment periods.[wpdatatable id=1]Source: https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-planSpeak with a licensed insurance agent to review your plan options and possibly enroll in a Medicare Advantage Plan during one of these enrollment periods.