Medicare Advantage

Why choose a Medicare Advantage Plan?

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Many people choose Medicare Advantage plans because they typically have lower out-of-pocket costs.  These plans also typically include extra benefits and services such as the following:

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• Low premiums (Many $0)

• Gym membership or fitness program

• Hearing Aids

• Over-the-Counter benefit

• Dental or Vision coverage

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Most Medicare Advantage plans also include Prescription Drug Coverage (Part D) as well.

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Types of Medicare Advantage plans are:

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• HMO (Health Maintenance Organization) – with the HMO you have a primary care physician that “facilitates” your healthcare all within a plans’ network of providers.

• PPO (Preferred Provider Organization) – with the PPO you are able to choose any provider, but for the lowest cost you would use in-network providers

• PFFS (Private-Fee-for-Service) – choose any provider that excepts the plans terms and conditions, typically at a higher premium

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When can I enroll in a Medicare Advantage Plan?