Medicare Advantage
Medicare Advantage plans replace Original Medicare with a private plan that often provides additional benefits. We'll help you understand your options and decide if Medicare Advantage is right for you.
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What Is Medicare Advantage?
Medicare Advantage plans are offered by private insurance companies and provide all of the benefits of traditional Medicare, and may offer additional benefits that are not covered by Medicare, such as dental and vision care.
When you enroll in a Medicare Advantage plan, you will still be enrolled in Medicare, but your health care services will be provided by the insurance company that you choose. That’s why it’s important to make sure your preferred doctors and hospitals are part of a plan’s network before enrolling.
Medicare Advantage plans may also offer additional benefits, such as prescription drug coverage, dental and vision coverage, wellness programs, and transportation services. These benefits can vary depending on the plan that you choose, so it’s important to carefully review your options before making a decision.
The Pros and Cons of Medicare Advantage
The advantages of a Medicare Advantage plan include what is typically a very low monthly cost and the presence of additional benefits in many plans, such as dental benefits, wellness benefits, and other value-added services.
The disadvantages of these plans are the fact that you have to remain in your plan’s provider network and typically have more out-of-pocket costs, such as copays and deductibles, when you get healthcare (as compared to a Medicare supplement plan).
How Do You Enroll in a Medicare Advantage Plan?
You can enroll in a Medicare Advantage plan during the Annual Enrollment Period (AMP), which runs from October 15 to December 7 each year. During this time, you can switch from traditional Medicare to a Medicare Advantage plan or switch from one Medicare Advantage plan to another.
You can also enroll if you qualify for a Special Enrollment period due to a particular event, or during your “Initial Enrollment Period” when you turn 65.
Obviously, we recommend that you consult with a licensed and certified Medicare agent (like us!) to help you understand your options and find the right plan for you.
Medicare Advantage isn’t for everyone.
It’s important to carefully review the benefits and drawbacks of Medicare Advantage plans before enrolling. Consider your health care needs, budget, and preferred providers to determine whether a Medicare Advantage plan is the right choice for you.
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