What is Medicare Advantage?
A Medicare Advantage Plan is an all-in-one alternative to Original Medicare, offered by private insurance companies approved by Medicare. These plans combine your hospital (Part A), medical (Part B), and often drug coverage (Part D) under one simplified plan — with extra benefits that Original Medicare doesn’t include.
Most Medicare Advantage Plans Include:
Dental, Vision, Hearing
Otc allowance
gym membership
No to low premiums
low copays
max out of pocket limits
Who Is Medicare Advantage Best For?
Medicare Advantage may be a good fit for you if you want:
One plan that handles most of your healthcare
Extras like dental, vision, hearing, or drug coverage
Lower monthly premiums (sometimes even $0)
Predictable copays for doctor visits, hospital stays, and testing
Your Advantage Plan May Not Be Enough
Medicare Advantage comes with some major exposures. Let us make this easy. Book your appointment today and get a personalized package recommendation tailored to your specific needs and plan to eliminate those gaps in your plan.
Types of Medicare Advantage Plans
HMO (Health Maintenance Organization)
Requires using in-network doctors
Referrals often required for specialists
Typically has the lower costs
Great for people whose doctors already participate in the network
PPO (Preferred Provider Organization)
More freedom to see out-of-network providers for a higher copay
Usually no referrals needed
Higher flexibility with slightly higher costs
Perfect for travelers or people with multiple specialists
MA-Only Plans
No built-in drug coverage
Ideal for people who already have credible drug coverage elsewhere (VA, employer, etc.)
Same medical benefits as normal MA plans, minus the Part D component
DSNP (Dual Special Needs Plans)
For people who have both Medicare and Medicaid
Usually offers extra financial help and additional benefits
Lower out-of-pocket costs
Often includes transportation, OTC credits, and more care support
CSNP (Chronic Special Needs Plans)
Designed for specific chronic conditions (e.g., diabetes, CHF, COPD)
Tailored networks, formularies, and care coordination
Helps manage ongoing conditions more effectively than standard plans
Why Choosing the Right Plan Matters
Choosing the right Medicare Advantage plan is important because it impacts nearly every part of your healthcare experience. The plan you enroll in determines which doctors and specialists you can see, how much you pay for services, what your prescription drugs will cost, and what extra benefits you have access to throughout the year. Even if a plan works well for a friend or spouse, that doesn’t automatically mean it’s the best fit for you. Your doctors, medications, and health needs are unique—and your coverage should reflect that.
How We Can Help You Navigate This With Confidence
As Independent Brokers we have certain tools that let us:
Check to see if your doctors are in network
Check to see what plans cover your medications
Check to see what plan meets your needs and budget
Check to see if you qualify for extra benefits or subsidies
You Don't Have to Figure This Out Alone
Medicare Advantage comes with a lot of moving parts — like drug coverage, costs, benefits, networks, deadlines. Let us make this easy. Book your appointment today and get clear, personalized guidance so you can choose the right coverage with confidence.
Medicare Information
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As a national Medicare brokerage, we work with multiple carriers to provide comprehensive plan options. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
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