Haddy Health Insurance

Medicare Advantage Plans (Part C)

What Is Medicare Advantage?

Medicare Advantage (Part C) is another way to receive your Medicare Part A and Part B benefits through a private insurance company approved by Medicare.

These plans may also include additional benefits and services that Original Medicare does not cover.

Plan benefits, costs, and availability vary by plan and service area.

What Do Medicare Advantage Plans Cover?

Medicare Advantage plans cover Medicare Part A and Part B services and may include additional benefits not covered by Original Medicare.

Depending on the plan, additional benefits may include prescription drug coverage, routine dental and vision services,

hearing benefits, fitness programs, transportation, and over-the-counter allowances.

Benefits and availability vary by plan and service area.

Types of Medicare Advantage Plans

HMO (Health Maintenance Organization)
HMO plans generally use a network of doctors, hospitals, and other healthcare providers. Depending on the plan,

you may need to choose a primary care provider and obtain referrals for certain specialists.

PPO (Preferred Provider Organization)
PPO plans generally provide more flexibility to use providers both in and out of the plan's network.

Using out-of-network providers may result in higher costs.

Special Needs Plans (SNPs)
Special Needs Plans are Medicare Advantage plans designed for people with certain diseases or characteristics

and tailor their benefits, provider choices, and drug formularies to meet specific needs.

Who Is Eligible for Medicare Advantage?

To enroll in a Medicare Advantage plan, you must be enrolled in Medicare Part A and Part B and live in the plan’s service area.

Some plan types, including Special Needs Plans (SNPs), have additional eligibility requirements. Plan availability varies by location.

When Can You Enroll in a Medicare Advantage Plan?

You can enroll in or make changes to a Medicare Advantage plan during certain Medicare enrollment periods.

These may include your Initial Enrollment Period, the Annual Enrollment Period from October 15 through December 7,

the Medicare Advantage Open Enrollment Period from January 1 through March 31 for eligible Medicare Advantage enrollees,

and certain Special Enrollment Periods if you qualify. Enrollment rules and effective dates depend on your individual circumstances.

Why Review Your Medicare Advantage Coverage Each Year?

Medicare Advantage plan benefits, costs, provider networks, drug formularies, and other coverage details can change from year to year.

Reviewing your plan annually can help you determine whether your current coverage continues to meet your healthcare needs,

prescription drug needs, preferred providers, and budget. Plan availability and benefits vary by location and plan.

Need Help Comparing Medicare Advantage Plans?

Medicare Advantage plan options can vary by location, insurance company, benefits, provider network, prescription drug coverage, and costs.

Haddy Health Insurance can help you review Medicare Advantage plans available in your area and understand the differences between your options

so you can make an informed decision about your coverage.

Talk With a Licensed Medicare Insurance Agent

Have questions about Medicare Advantage plans available in your area?

A licensed insurance agent can help you review plan options, benefits, provider networks, prescription drug coverage, and costs based on your individual needs.