What is a Medicare Advantage?

Medicare Advantage, also known as Medicare Part C, is a plan provided by private insurance companies with the help from subsidies provided by the government so that the insurance company can design network based plans at a various premiums.


These plans are normally designed with copays and coinsurance throughout the plans as a form of cost share that the client would assume when joining one of these plans. Most plans may offer additional benefits at no additional cost to you.


So let's take a closer look at Medicare Advantage Plans.

Medicare Advantage Upside:

  • It’s convenient to have a single plan for everything

  • The plan covers everything traditional Medicare covers (hospital insurance and medical insurance) as well as emergency and urgent care

  • Most plans also include prescription drug coverage

  • Your eligibility isn’t affected by health or financial status

  • Many plans may cover additional benefits.

  • Premiums vary

Medicare Advantage Down Side:

  • You’re restricted to certain doctors in your network (unless it’s an emergency)

  • Plan premiums can change from year to year

  • Difficult to switch to Medigap later on

  • Plan benefits can change from year to year

  • You’re subject to high max out of pocket costs that tend to range from $3,400-$8,850

What kind of plans can I choose from?


See Which Plans Are In Your Area Today

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Disclaimer: We do not offer every plan available in your area. Currently we represent 7 organizations which offer 21 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all or your options. We sell plans in 34 states and the District of Columbia but not all service areas. Currently we are not licensed in Alaska, Arkansas, Hawaii, Idaho, Kansas, Mississippi, Missouri, Montana, Oklahoma, Rhode Island, South Dakota, Utah, Vermont, Washington and Wisconsin. In the service areas we work, on average, we represent 7 organizations which offer 21 products. CA License #4182382