An alternative way to receive Medicare benefits
Medicare Advantage plans are offered by Medicare-approved private insurance companies. They provide your Part A and Part B benefits and usually include Part D prescription drug coverage. Many plans also offer additional benefits, but costs, networks, and rules vary by plan and location.
The essentials
You must have Medicare Parts A and B and continue paying the Part B premium.
Plans may be HMOs, PPOs, or other plan types, each with different network and referral rules.
Many plans include prescription drug coverage and may offer dental, vision, hearing, fitness, or other benefits.
Premiums are usually low or $0, but only one part of the cost; copayments, coinsurance, deductibles, and the yearly out-of-pocket limit also matter.
Look beyond the headline
The details below can make a meaningful difference in your access, costs, and experience.
Confirm every important provider and facility with the plan—not only the insurance company’s name.
Check the formulary, drug tiers, pharmacy network, prior authorization, and estimated annual costs.
Consider premiums plus expected copays, deductibles, coinsurance, and the out-of-pocket maximum.
Review referrals, prior authorizations, travel coverage, and the limits attached to extra benefits.
Personal, independent guidance
Instead of starting with an insurance company, we start with you. The goal is a clear decision you understand—not a rushed enrollment.
We’ll start with your doctors, hospitals, prescriptions, travel habits, health needs, and budget.
We’ll identify available plans that align with those priorities and remove obvious mismatches.
We’ll look beyond the headline premium to examine networks, drug costs, copays, and plan rules.
Plans can change annually, so ongoing support includes reviewing important changes when appropriate.
Helpful answers
These answers provide a starting point. Plan availability and rules can vary by location and situation.
Review Medicare.gov’s health-plan informationNo. Medicare Advantage is another way to receive your Medicare benefits. Medicare Supplement works with Original Medicare to help with certain out-of-pocket costs.
Some plans may have a $0 plan premium, but you must continue paying your Medicare Part B premium and may have copayments, coinsurance, deductibles, and other costs.
It depends on the specific plan’s provider network and rules. Provider participation can change, so each important doctor and facility should be verified directly for the plan you are considering.
Most do. The formulary, pharmacy network, drug tiers, and cost-sharing vary, so your exact prescriptions should be included in the comparison.
Explore the other primary choices
Questions are welcome
A short conversation can help you understand which details deserve your attention.
