Medicare Advantage Plans are also known as Part C. They combine Parts A, B, & usually Part D all in one plan. You must live in the Service area (which is usually determined by the county you live in). If you choose a Medicare Advantage plan, you will not lose your Original Medicare benefits. However, an insurance company can add benefits to it. A Medicare Advantage Plan is not a Medicare Supplement nor can you have both an Advantage Plan and a Medicare Supplement. Most Advantage Plans have co-pays, coinsurance, and network doctors and hospitals, but the premiums are usually much lower than a supplement.
It is very important you consider your primary care doctor and any specialists you see because you want to ensure they are in the network for the lowest cost share and that your prescription drugs are covered by the plan. These are items I check EVERY time I enroll someone in a plan. I take the confusing information and make it simple. Please fill out the contact form and I would be happy to do this for you!! And it won't cost you a dime.
I proudly represent the following carriers in the Spokane/Coeur d'Alene area:
- UnitedHealthCare Medicare Solutions
- Allwell Coordinated Care
- Premera Blue Cross
- Kaiser Permanente