Insurance Solutions

Medicare Advantage Plans

Medicare Part C - Medicare Advantage Plans combine Part A and Part B benefits into one plan. Most include prescription drug coverage and offer additional benefits as well, often with no additional premium. Medicare Advantage plans are offered by private insurance companies approved by Medicare.  Coverage and costs beyond the standards set by Medicare may vary from plan to plan.

Plan types and Service Areas.

Many Medicare Advantage plans are coordinated care plans.  Plans contract with a network of doctors and hospitals to provide care to plan members. Plans may require members to choose a primary care doctor from the network to manage their care.

Each plan creates its own provider network. in most cases, you pay less for care you receive from network providers than for the same care received from providers outside the network.  Certain types of plans allow for more freedom in choosing providers, though it ay come with a cost.  All plans offer nationwide coverage for emergency care, urgent care and renal dialysis.  Medicare Advantage plans operate within a defined geographic areas called service areas. You must live in a plan's service area to become a plan member.

When Can you Enroll in a Medicare Advantage Plan?

Initial enrollment Period - Your Initial enrollment Period is 7 months long.  It included your 65th birthday month plus the 3 months before and the 3 months after your birthday.  It begins and ends 1 month earlier if your birthday is the first of the month.

Annual Enrollment Period, October 15- December 7th

During annual enrollment, you can add, drop or switch your medicare coverage.

Medicare Advantage Open Enrollment Period, January 1 - March 31st

If you're already a Medicare Advantage plan member, you may disenroll from your current plan and either switch to a different Medicare Advantage plan on time only, or go back to original Medicare during this period.

Special Enrollment Period

Depending on certain circumstances, you may be able to enroll in a Medicare plan outside the initial enrollment or annual enrollment time frames.  Some ways you may qualify for a Special Enrollment Period are if you

  • Retire and lose you employer coverage
  • Move out of the plan's service area
  • Qualify for extra help
  • Have been diagnosed with a certain qualifying chronic health conditions.

The Advantages

Medicare Advantage plans have a high member satisfaction.  Many plans offer a $0/month premium, Low maximum annual out of pocket cost, and extra benefits including dental, vision, hearing and so much more.  Click on the "Gete a Quote" button to learn about all the benefits available.

Contact Frank Sottile With KMI Insurance

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