Medicare Advantage Plans
All-in-One Coverage with Extra Benefits Beyond Original Medicare
Compare Plans in Your AreaWhy Choose Medicare Advantage?
All-in-One Coverage
Combines Medicare Parts A, B, and usually Part D prescription drug coverage into a single comprehensive plan.
Extra Benefits Included
Many plans include dental, vision, hearing, fitness memberships, and over-the-counter allowances at no additional cost.
Low or $0 Premiums
Many Medicare Advantage plans have $0 monthly premiums, though you still pay your Part B premium to Medicare.
Out-of-Pocket Maximum
Annual maximum limits protect you from catastrophic costs, something Original Medicare doesn't provide.
Types of Medicare Advantage Plans
Find the Right Plan Structure for Your Needs
HMO Plans
Health Maintenance Organization - Most affordable option
- Choose a primary care doctor
- Referrals needed for specialists
- Network restrictions apply
- Lower premiums and copays
- Emergency care covered anywhere
PPO Plans
Preferred Provider Organization - More flexibility
- See any doctor or specialist
- No referrals required
- Lower costs with network providers
- Can see out-of-network doctors
- Ideal for frequent travelers
Special Needs Plans
SNP - Tailored coverage for specific conditions
- Designed for chronic conditions
- Dual-eligible beneficiaries
- Institutional-level care needs
- Specialized care coordination
- Enhanced benefits for condition
What Medicare Advantage Plans Cover
Hospital Care
Part A coverage included
Medical Services
Part B coverage included
Prescription Drugs
Most plans include Part D
Dental Care
Routine and preventive
Vision Care
Eye exams and glasses
Hearing Care
Tests and hearing aids
Fitness Programs
Gym memberships included
Telehealth
Virtual doctor visits
When Can You Enroll?
Understanding Medicare Advantage enrollment periods is crucial for getting coverage when you need it.
Initial Enrollment
7-month period around your 65th birthday. 3 months before, your birthday month, and 3 months after.
Annual Enrollment
October 15 - December 7 each year. Make changes for coverage starting January 1.
Open Enrollment
January 1 - March 31. Switch to another MA plan or return to Original Medicare.
Special Enrollment
Qualifying life events like moving or losing other coverage may provide additional enrollment opportunities.
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