What is a Medicare Advantage?

Medicare Advantage, also known as Medicare Part C, is a plan provided by private insurance companies with the help from subsidies provided by the government so that the insurance company can design network based plans at a low or zero premium.


These plans are normally designed with copays and coinsurance throughout the plans as a form of cost share that the client would assume when joining one of these plans. Most plans will include additional benefits at no additional cost to you such as dental, vision, and/or hearing benefits as an example.


So let's take a closer look at Medicare Avantage Plans.

Medicare Advantage Upside:

  • It’s convenient to have a single plan for everything
  • The plan covers everything traditional Medicare covers (hospital insurance and medical insurance) as well as emergency and urgent care
  • Many plans also cover dental care, eyeglasses, and wellness programs
  • Most plans also include prescription drug coverage
  • Your eligibility isn’t affected by health or financial status
  • Premiums are low

Medicare Advantage Down Side:

  • You’re restricted to certain doctors in your network (unless it’s an emergency)
  • Plan premiums can change from year to year
  • Difficult to switch to Medigap later on
  • Plan benefits can change from year to year
  • You’re subject to high deductibles and co-pays that tend to range from $3,400-$6,700

What kind of plans can I choose from?


See Which Plans Are In Your Area Today

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We do not offer every plan available in your area. Currently, we represent more than 20 organizations which offer vary the number products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. 



*While the Centers for Medicare & Medicaid Services (CMS) is requiring us to add this disclaimer, please note that we will discuss every plan that is available in your area.*

Navigating Medicare can feel overwhelming — especially when you're comparing doctor networks, prescription coverage, and plan benefits. While Medicare.gov and SHIP are trusted public resources, they provide general guidance and do not offer personalized plan recommendations.

As licensed Medicare agents, we complete over 40 hours of annual training and certification to help you understand the plan options we offer. We take the time to match your needs with plans that align with your healthcare providers, medications, and budget — right here in your community.