Medicare Advantage Plans
Give us a call or fill out the form below, and we’ll help you find the right Medicare insurance plan that best fits your lifestyle.
The Benefits of Having a Medicare Advantage Plan
Medicare Advantage Plans are sometimes called “all-in-one” plans because they often combine Medicare Part A (hospital) and Part B (medical) insurance with additional coverage not included in the standard Medicare option. This way, you don’t need to enroll in separate plans to cover your dental, hearing, vision and prescription drug coverage.
$0 monthly plan premiums may be available.
Prescription drug coverage is included in most plans.
Additional benefits may include vision, fitness, hearing and dental.
Step 1: Determine If You’re Eligible
If you’re 65 or older, you qualify for full Medicare benefits if:
- You are a U.S. citizen or a permanent legal resident who has lived in the United States for at least five years and
- You are receiving Social Security or railroad retirement benefits or have worked long enough to be eligible for those benefits but are not yet collecting them.
- You or your spouse is a government employee or retiree who has not paid into Social Security but has paid Medicare payroll taxes while working.
If you’re younger than 65, you qualify for full Medicare benefits if:
- You have been entitled to Social Security disability benefits for at least 24 months (that need not be consecutive); or
- You receive a disability pension from the Railroad Retirement Board and meet certain conditions; or
- You have Lou Gehrig’s disease, also known as amyotrophic lateral sclerosis (ALS), which qualifies you immediately; or
- You have permanent kidney failure requiring regular dialysis or a kidney transplant — and you or your spouse has paid Social Security taxes for a specified period, depending on your age.
Step 2: Compare Medicare Plans
Medicare is broken into four parts: A, B, C and D.
- Medicare Part A covers hospital stays and other inpatient care. You can get Part A benefits directly from the government or by enrolling into a Medicare Advantage plan.
- Medicare Part B helps cover doctor visits, outpatient surgery, labs, and medical equipment. You can get Part B benefits directly from the government or by enrolling in a Medicare Advantage plan.
- Medicare Part C (also known as Medicare Advantage), is privatized Medicare, which means it’s offered by health insurance companies. Medicare Advantage combines everything you get in Part A and Part B, usually with added benefits, like prescription coverage, dental, vision, and wellness perks.
- Medicare Part D covers prescription drugs and is only offered by private insurance companies, either through Medicare Advantage plans that include prescription drug coverage, or Prescription Drug Plans that offer Part D coverage on its own.
Step 3: Enroll in a Medicare Plan
There are three time periods where you can join, switch or drop a Medicare plan or a Medicare Advantage plan with or without drug coverage:
- Initial Enrollment Period: This is when you first become eligible for Medicare or when you turn 65. This is a 7-month period (starts 3 months before the month you turn 65, includes the month you turn 65 and ends 3 months after the month you turn 65) where you can join a plan.
- Open Enrollment Period: From October 15 – December 7 each year, you can join, switch, or drop a plan. Your coverage will begin on January 1 (as long as the plan gets your request by December 7).
- Medicare Advantage Open Enrollment Period: From January 1 – March 31 each year, if you’re enrolled in a Medicare Advantage Plan, you can switch to a different Medicare Advantage Plan or switch to Original Medicare (and join a separate Medicare drug plan) once during this time.
Why Choose Medicare Offer?
A Wide Selection
Save time and shop a wide variety of Medicare solutions from the nation’s top-rated2 insurance companies in one place.
Shopping Made Easy
Our licensed insurance agents do the hard work for you. Not ready to talk? Find products, compare rates, and in some cases, even enroll online.
Fast, Reliable Support