Your medical care
Start with how you receive care: doctors, specialists, hospitals and the services you need close to home.
MEDICARE ADVANTAGE · PART C
Your next chapter.
Coverage you understand.
Medicare Advantage brings Part A and Part B coverage together in a private Medicare-approved plan. Most include prescription coverage. We help you look beyond advertised benefits.
Your coverage, together
Part A + BUsually Part DPlan-specific extras
PART C
A set of benefits. A personal decision.
To join Medicare Advantage, you need Parts A and B and must live in the plan’s service area. Options vary by county. Before changing coverage, check the impact on employer, union or retiree benefits.
Your prescriptions
Most plans include Part D. Compare your specific prescriptions and pharmacy, including drug strength and formulation.
Extra benefits
Some plans offer dental, vision or hearing benefits. Ask about limits, frequency, providers and exclusions before relying on them.
MAKE AN INFORMED CHOICE
The details make the difference.
Choose a topic. Discover what to check before choosing a plan.
Accepting Medicare is not enough.
Check that your doctor participates in the specific Advantage plan. Verify specialists and hospitals, and whether referrals are needed.
Compare your complete treatment.
Check every prescription in the plan’s formulary, including strength and formulation. Review copays, preferred pharmacies and prior authorization or step therapy.
Plan premiums and the cost of care.
A $0 plan premium does not mean free care: you still pay the Part B premium unless applicable assistance covers it. Review copays and the annual limit for covered medical expenses.
Understand the rules before you need care.
Some services may require prior authorization from your plan. Ask about planned treatments and the approval process before receiving care.
The network matters. So does the plan type.
Discuss these differences before deciding. Specific terms appear in the plan documents.
HMO
Generally uses a provider network, with exceptions such as emergencies. Check referrals and coverage away from the service area.
PPO
May allow out-of-network care at a higher cost. Confirm that the provider will see you and what you would pay.
SNP
Plans for people who meet specific requirements. A D-SNP serves people with both Medicare and Medicaid; eligibility must be confirmed.
YOUR CALENDAR
Each enrollment period has a purpose.
Oct. 15 – Dec. 7
Annual enrollment lets you review and change coverage for the coming year. Accepted changes generally begin January 1.
Jan. 1 – Mar. 31
If already enrolled in Medicare Advantage, you may switch Advantage plans or return to Original Medicare and add Part D when applicable. This is not annual enrollment for everyone.
New eligibility or life changes
Initial and special enrollment periods have their own rules. Moving or a coverage change may allow action outside annual enrollment; check your situation.
BEFORE YOUR QUOTE
A better first conversation.
Check what you have ready. This list does not save or send information.
Review my options ›0 / 4 ready
Good questions. Clear answers.
Does Medicare Advantage replace my Medicare?
You receive Medicare benefits through a private Medicare-approved plan and must keep Parts A and B. It is not Medigap, and Medigap cannot be used to pay Advantage copays.
Do all plans offer the same extra benefits?
No. Benefits, limits and requirements vary by plan and location. An advertisement for dental, transportation or other assistance does not confirm it is available to you.
Can I switch at any time?
Only during an enrollment period that applies to your situation. Before cancelling coverage, confirm eligibility, acceptance of the new application and the effective date.
Why review my plan every year?
Networks, costs, covered prescriptions and benefits can change. Read the Annual Notice of Change and recheck doctors and medications before deciding.
A good choice starts with listening.
We review your situation, doctors and prescriptions. You decide what comes next.
Requesting guidance does not enroll you in a plan. Availability, eligibility, benefits and costs depend on your situation and the plan.