Medicare Advantage plans, also known as Medicare Part C, are an all inclusive alternative to Original Medicare (Medicare Parts A & B). Under a Medicare Advantage plan, you receive your Medicare Parts A & B benefits directly from a private health insurance company that has been approved by Medicare. Most Medicare Advantage plans also include Medicare Part D Prescription Drug coverage. You cannot have both a Medicare Advantage plan and a stand alone Part D plan, with the exception of a few situations

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By law, all Medicare Advantage plans must have, at a minimum, coverage that is equal to Original Medicare. Most also include added ancillary benefits that Original Medicare does not cover, such as Dental, Vision, and Hearing coverage.

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You must have both Medicare Part A & B to enroll into a Medicare Advantage plan. Typically, you can only enroll in or make changes to a Medicare Advantage plan during the Medicare Annual Enrollment Period (AEP). The Medicare Annual Enrollment Period is every year, starting on October 15th, and ending December 7th. Any changes made during the Annual Enrollment Period will go into effect January 1st of the following year. 

 

There are some exceptions to to the enrolment window for Medicare Advantage plans, including but not limited to:

• Turning 65 and enrolled in Medicare Part B

• Over 65 but Medicare Part B is just becoming effective.

• Special Election Periods such as moving, loosing an employer health plan, or your plan no longer being available.

 

 

To see available Medicare Advantage plans in your county, if you have a Special Election, if you have questions or would like a free quote, please reach out to us today.