Medicare Advantage plans (also known as Medicare Part C) are offered by private insurance companies that contract with Medicare to provide your Part A (hospital) and Part B (medical) benefits. Most Medicare Advantage plans also include Part D prescription drug coverage, giving you an all-in-one solution. Depending on the plan, you may even get extra benefits like dental, vision, hearing, or fitness perks.
Many plans have set co-pays and out-of-pocket maximums, making it easier to budget your healthcare expenses.
These plans roll your hospital, medical, and (often) prescription needs into a single plan.
Beyond standard Medicare coverage, some plans offer extras like routine dental care, eyewear allowances, hearing aids, and more.
If you’re comfortable sticking to a network of providers, Medicare Advantage can streamline your care while often lowering your out-of-pocket costs.
Prescription Coverage
Check that your medications are covered at a reasonable cost.
Networks
HMO plans typically require referrals and have a strict provider network, while PPO plans offer more flexibility (with slightly higher costs).
Extra Perks
Plans vary widely in the extra benefits they provide, so make sure you pick one that matches your priorities.
The best plan for you depends on several factors—your budget, preferred doctors, medications, and overall healthcare needs. While some appreciate the bundled simplicity, others might prefer the freedom of Original Medicare plus a standalone Part D plan and a Medigap policy. It’s all about finding the balance that works for your lifestyle.
Navigating Medicare can be confusing, but you don’t have to do it alone. I’m here to help you compare your options, evaluate costs, and ensure you find a Medicare Advantage plan that fits your needs. If you’d like one-on-one guidance, feel free to schedule a call or send me a message I’m always happy to answer questions and point you in the right direction.
Choosing the right health insurance plan doesn’t have to be overwhelming. Whether you're looking to switch plans or need expert advice, Routt Insurance is here to help you find the coverage that’s right for you. Reach out to us today for a no-obligation consultation, and see why we’ve earned the trust of so many clients over the years.
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