Compare Medicare Advantage Plans

Millions of people like yourself are enjoying outstanding benefits on Medicare Advantage plans. Choosing the right plan can be a little confusing, but we’re here to help!

Providing more coverage than the basic Medicare plan, Medicare Advantage Plans take care of many medical expenses that you may experience and does so at a great value to you. In this article, you’ll learn exactly how to compare Medicare Advantage plans as well as companies to find the best fit.

Because most Medicare Advantage plans also cover additional benefits such as prescription drugs, hearing, and eye coverage, many people will be switching over to a plan this year or enrolling in one when they are first eligible for Medicare.

Finding the right plan and enrolling has never been easier!

To compare Medicare Advantage plans you’ll need to know:

• Do you have both Medicare Part A and B in place
• Do you reside in the same area that the Advantage plan network provides coverage
• Does the plan provide the benefits you’ll need
• Does your doctor accept the plan

Just Turning 65 or new to Medicare?

There is a specific period that you may enroll in a Medicare advantage plan.

When you turn age 65 or you are first eligible for Part A and B Medicare, you have what is called an open enrollment period.

This allows you to either enroll right away in a Medicare Advantage plan or choose a Medigap plan.

Many people will start their advantage plan the same day their Medicare begins.

Remember, if you choose to enroll in an Advantage plan you still must pay the Part B premium each month to have Medicare.

Using this website you can find the best Medicare advantage plan to fit your needs that is available in your area. Each year, however, there is a period that you can make changes to your coverage.

Medicare Open Enrollment Period

Once enrolled in a Medicare Advantage plan, you are not allowed to change it until the following Medicare open enrollment period.

This period runs from October 15th – December 7th each year.

Any changes made to your plan will go into effect the following January 1st.

If you are trying a Medicare advantage plan for the very first time, and you are not happy for any reason during the first 12 months of the plan you can opt-out of your plan and return to Original Medicare.

So, if you don’t like the plan you signed up for, you may have to wait until its term is up and Open Enrollment comes around again to do something about it.

Medicare has made it fairly simple to sign up for Medicare Advantage plans. You can’t get them through Medicare directly, though. Medicare Advantage plans are offered through private insurance carriers.

Using our website you can shop the top companies and plans with the click of a button!

You may already know of some of these companies or have insurance through them already. They include insurers like AARP, Mutual of Omaha, Aetna, and others. These sell the plans that Medicare has already detailed and set up.

The insurance companies can choose the price of the plans, and they can choose some aspects of coverage. But the base coverage is always decided by Medicare.

We’ll look at the coverage in just a moment, but first, let’s look at how you can purchase this plan.

Going through private insurance companies means that there is no set price for Advantage plans.

You could get roughly the same coverage for wildly different prices if you are looking at two different insurance companies and their Advantage plans.

This is why you will want to compare prices and coverage on each plan. Source as many quotes as you can and see who has the best price. At the same time, look at what is being covered and how it compares to what you need.

Once you sign up for an Advantage plan, you are basically locked into it until the term is up ( usually a year ).

If you are 65 and a US citizen, then you are likely eligible for Medicare Advantage. If you are not sure if you meet the eligibility requirements, you can always talk to an insurance agent or Medicare directly about what it takes to qualify.

Medicare Advantage Plan Enrollment

The best time to enroll in a Medicare Advantage plan is three months prior to turning age 65, up to three months after your 65th birthday. This is because you are most likely in what is called your “initial enrollment period”. 

If you enroll during this time, your coverage will begin the same day that your Medicare begins.

If you decide to wait to enroll in an Advantage plan, and perhaps enroll in a Medigap plan instead, then you may not switch back to a Medicare Advantage plan until the Medicare Open Enrollment period each year. This period is October 15th – December 7th.

During this time period you may switch over to a Medicare Advantage plan, and your coverage will begin on January 1st of the following year.

Now let’s look at what these plans cover. There is no set Advantage coverage that is standard across the board. What is standard is basic coverage. All the Advantage plans have to cover Part A and Part B of Medicare as well as urgently needed care and emergency care.

That takes care of emergency room visits and similar services that may not be covered by Original Medicare.

That’s just the base, starting coverage, though. There are lots more than most Advantage plans cover.

They may not be required to cover more than that, but they typically do. The most common additional coverage is for Medicare Part D, which is prescription drug coverage. This takes care of lots of common prescription drug expenses.

It doesn’t cover all the drugs on its list of coverage completely, but many of them are fully covered.

You may also receive coverage from your Advantage plan for wellness programs, for dental, hearing, vision, and the like.

Regular checkups can be covered under your Advantage plan, as can other expenses not have listed here.

It really varies from one insurance company to the next, and they can change up their coverage from year to year.

They have to keep the basic coverage that Medicare mandates and only Medicare can change that, but everything else can be changed up every so often.

So, once you sign up for an Advantage plan, your coverage will be locked in for the full term, be it a year or a couple of years. However, once your term is up, you may find that the coverage on your plan has changed, and you may want to go with something else.

When it comes to comparing Medicare Advantage plans you will find there are a number of options in your area. Sorting out the different plans, benefits, and premiums can take a lot of work. But…

We Make it Easy for you!

Using our website we can easily help you determine which Medicare Advantage plan is the best fit. Just a few of the options that might be available in your area are below.

It’s worth noting that Medicare Advantage plans offer a lot of coverage. We have touched on this already, but this is the kind of coverage that is best reserved for people with ongoing medical problems or for people who are in poor health.

If you visit the hospital or doctor’s office multiple times throughout the year, then this kind of plan may be right for you. You should consider what your coverage needs are and then compare that to what the Advantage plan offers.

When you compare Medicare Advantage plans to see if you can find one that fits your needs well. If all of them seem excessive for you and see like they would cover you too much, then you can always find a different plan with less coverage.

You can get much of the coverage in separate pieces by buying separate plans. Part D is available on its own, and Original Medicare can be purchased separately, and it includes coverage for Medicare Part A and Part B.

Look at your Medicare Advantage options once you hit 65 and see if it might be a good choice for you. If it fits your coverage needs well, it can save you considerable money on healthcare.