Medicare Advantage

This blog section contains information on Medicare Advantage plans. Learn about Medicare Part C and discover when you can change your plan during the Open Enrollment Periods. Moreover, find out about Silver Sneakers, Dental Plans, and compare Supplement plans to Medicare Advantage plans.

Medicare Underwriting - Advantage vs. Supplement - Happy Seniors

Medicare Advantage vs Medicare Supplement

Compare Advantage Vs Medicare Supplement

The Medicare 2021 chart below compares Medicare Advantage vs Medicare Supplement. This chart shows positive (green), negative (red), and equal value (black). Medicare Supplement works with Original Medicare, so it provides you with nationwide coverage and access to any doctor and hospital without referrals.

However, Medicare Advantage provides you with local (HMO) or regional (PPO) coverage for doctors and hospitals in-network. For example, doctors outside an HMO network are not covered and require referrals. Furthermore, doctors outside of a PPO network are allowed but will cost you more. The 2021 chart below shows you several differences between Medicare Advantage vs Medicare Supplement.

Medicare Advantage vs Medicare Supplement - happy seniors
Medicare 2021 Chart - Advantage vs Supplement infographic
Embed and download Medicare Advantage vs Medicare Supplement Infographic

MedicareBob Video

In this MedicareBob video, Robert Bache “talks about the most important decision” people new to Medicare will make. Should you choose a Medicare Advantage or Medicare Supplement? Watch this video to help determine the right Medicare plan for you. 

Medicare Advantage vs Supplement Cost Differences

Part B Premium

Medicare Advantage and Medicare Supplement require you to have Medicare Part B. There is no Medigap Plan that pays your Medicare Part B premium. However, some Medicare Advantage Plans pay all or part of your Part B premium.

Copays and Coinsurance

Medicare Advantage charges you copays for each doctor visit or medical service. However, Advantage Plans do not charge you coinsurance.

Medicare Supplement Plans have no copays, except plans K (50%), L (75%), and N. You are charged copays for diagnostic tests, hospital outpatient, and ER visits. For Plan N, you pay up to $50 for outpatient emergency room visits and up to $20 for outpatient doctor visits.

Furthermore, Supplement Plans K and L only pay 50% and 75% respectively for Part B, Part A Hospice, and Skilled Nursing Facility coinsurance. In other words, you pay the remaining balance. For example, Medigap Plan K will cover 50% of your outpatient medicare service.

Advantage vs Supplement Plan Premiums

Medicare Advantage Plan premiums will vary based on coverage and the insurance carrier. However, CMS.gov reports, “historically low premiums in Medicare Advantage.” Furthermore, you have more than 1,600 prescription drug plans from which to choose. We can help you find the right Medicare Advantage Plan with our Advantage Plan Finder.

Medicare Supplements pay Part A and Part B coinsurance. For example, Medigap Plan G covers 100% of your hospital and medical services after you pay a $198 Part B deductible. Plan G is the most comprehensive coverage available for people new to Medicare in 2020. You can shop Medigap Plans by calling Senior Healthcare Direct at 1-855-368-4717 or get your quote.

Medical Underwriting – Advantage vs Supplement

Medicare Underwriting - Advantage vs. Supplement - Happy Seniors
Happy seniors avoid medical underwriting.

Starting in 2021, Medicare Advantage Plans accept all health conditions, including End-Stage Renal Disease (ESRD). Likewise, you can enroll in Medicare Supplement Plan without medical underwriting during your initial Open Enrollment Period (OEP). In other words, there is no medical underwriting when you are first eligible for Medicare, which includes:

  • Three months before you turn 65
  • The month you turn 65
  • Three months after you turn 65

However, anytime after your initial Open Enrollment Period, medical underwriting is required. For example, you switch to a different Medigap Plan after your initial OEP. Discover some of the most common underwriting questions and find out whether or not you can qualify.

Prescription Drugs – Advantage vs Supplement

Medicare Advantage Plans such as HMO and PPO most often include prescription drug coverage. However, Advantage Plans are not required to cover prescription drugs. If your HMO or PPO does not provide drug coverage and enroll in a separate Medicare Prescription Drug Plan, you will be disenrolled from your Medicare Advantage Plan.

Medicare Supplement Plans fills in the coinsurance and deductible coverage gaps of Original Medicare, which does not cover prescription drugs. To get drug coverage, you need to enroll in a separate Part D drug plan. Senior Healthcare Direct can help you find the right drug plan that includes all your prescriptions.

Max Out-of-Pocket Limits – Advantage vs Supplement

Forbes reports Medicare Advantage maximum out-of-pocket (MOOP) limits will increase to $7,550 in 2021. In other words, your max out-of-pocket cost will be $850 more for in-network services in 2021. Once you reach this MOOP limit, your Medicare Advantage plan will cover all costs until the end of the year.

All Medicare Supplement Plans cover most or all of your out-of-pocket costs except plans K and L. Thus, CMS.gov put the following out-of-pocket 2021 limits on plans K and L.

  • $6,220 for Plan K ($740 increase from 2020)
  • $3,110 for Plan L ($170 increase from 2020)

Medicare Coverage Options

In this FAQ video, Robert Bache explains your Medicare coverage options. Watch the video and discover the two Medicare options you can choose during your annual open enrollment.

Medicare Open Enrollment

Medicare Open Enrollment also called the Annual Election Period, occurs from October 15 through December 7. According to CMS, this is a period when “all people with Medicare can change their Medicare health plans and prescription drug coverage for the following year.” Why change your Medicare plan?

3 Reasons to Change your Medicare Plan

Medicare Coverage Options

You may want to change your Medicare plan for the following reasons:

  1. The Medicare Plan is changing – coverage, costs, or service.
  2. You have health issues and want better coverage.
  3. You want a better plan now because you can medically qualify for it.

Do you know you must pass medical underwriting whenever you want to switch your Medicare Plan? Furthermore, a Medicare Advantage or Supplement insurance company can deny coverage change. So if you want to upgrade from a Medicare Advantage Plan to a Supplement Plan, you may not medically qualify. 

When to change your Medicare Plan?

The best time to change your Medicare plan is when you are healthy enough to pass medical underwriting. Even if you do not need better coverage now, it makes sense to upgrade your Medicare Plan early, so insurance carriers will not deny you later. When can I change my Medicare Advantage plan?

When can I switch from Medicare Advantage to Medigap?

You can switch from Medicare Advantage to Medicare Supplement Plan two times per year. During the Annual Election Period, you can change to a different Medicare Advantage Plan or switch from Medicare Advantage to Medigap Plan. Discover the other Medicare Advantage enrollment period.

When can I switch my Medicare Supplement Plan?

You can switch to a different supplement insurance company to save money during Medicare Open Enrollment. Furthermore, you can switch to a different lettered supplement plan during the same Annual Election Period. Discover another time when you can buy a Medicare Supplement Plan.

Your Medicare Coverage Options 

The licensed agents at Senior Healthcare Direct are happy to help you choose the Medicare Plan that best suits your needs. Our agents can compare plan prices with many carriers, so you get the best price. Moreover, our agents can suggest insurance providers who accept your health conditions, so your application gets approved. Call us at 1-855-368-4717 or get your quote

Is Medicare Supplement or Advantage better?

Which Medicare Plan is better for you?

Is Medicare Supplement or Advantage better?

Depending on your situation, Medicare Supplement or Advantage maybe better for you. First, we look at benefits of Medicare Advantage plans and whether this maybe right for you. Then we look at Medicare Supplement plans and who best benefits for them. After reviewing Medicare Advantage and Supplements Plans, you will have a good idea which is best for you.

Medicare Advantage Plans

Many relatively healthy seniors prefer Medicare Advantage plans for three main reasons:

  • Low monthly premium and covers prescription drugs
  • HMO costs less and covers only in-network doctors and hospitals
  • PPO costs more and covers both in-network and out-of-network doctors and hospitals
  • “Pay as you go”, you will have copay’s for Medical Services: Doctor visits, Hospitalization, Lab Work, Advanced Imaging, etc…

Is a Medicare Advantage Plan right for you?

Medicare Advantage Plans are more affordable, costing you less in premiums and deductibles if you do not get sick or need hospital or medical services. However, when you do become ill and require a hospital or doctor’s services, you could have expense up to your maximum out-of-pocket limit of $6,700, depending on your plan. For example, with Medicare Advantage Plans, you will have copays whenever you use your plan. A Medicare Advantage Plan may be a good fit for you if you are willing to pay less every month at the risk of paying more when you need health coverage.

PPO vs HMO what are the benefits and costs differences? View our PPO vs HMO infographic.

Enroll or Change Medicare Advantage Plan

You can enroll or change Medicare Advantage Plan during Medicare Open Enrollment. This Annual Election Period is from October 15 through December 7. Furthermore, you can also join or disenroll during Medicare Advantage Open Enrollment between January 1 and March 31.

Senior Healthcare Direct can help you find the right Medicare Advantage Plan. We can help you find an Advantage Plan that includes your doctors and medications. Discover how to enroll or change your Advantage Plan and get the most cost-effective price.

Medicare Supplement Plans

Many seniors with underlying health conditions or otherwise need regular medical service prefer Medicare Supplement Plans for three reasons:

  • Fixed monthly premiums makes your expenses more predictable
  • A nationwide network of doctors and hospitals gives you more flexibility
  • Does not cover prescription drugs (separate Part D plan required)
  • Plans may cover all hospital and medical expenses without copays or coinsurance

Is a Medicare Supplement Plan right for you?

Many seniors who use their health insurance prefer Medigap Plans. When you add up the cost of hospital deductibles $1408 in 2020, which all Medicare Supplement Plans pay, a Medigap Plan could save you thousands over an Advantage Plan. For seniors who have known health conditions, Medigap Plans allows you to budget your healthcare expenses and make the costs more affordable.

For seniors who are fortunate to have both health of money, you may want to pay for a Medicare Supplement so you can avoid medical underwriting should you become ill and want to upgrade your coverage later.

Best Medigap Plan for 2021

In a MedicarBob video, Robert Bache gives his recommendation for the best Medicare Supplement Plan for 2021. Discover a Medigap Plan that saves you on monthly premiums and is a better value than Plan F. Furthermore, learn how the Best Medigap Plans compare and which plan is best for you.

Helping You Choose a Medicare Plan

Senior Healthcare Direct can help you choose a Medicare Plan. You can speak with a licensed agent to discuss which Plan is best for you. Call us toll-free at 1-855-368-4717 or get a quote.

MedicareBob Videos Blog

What is Medicare Advantage PPO

ESRD Medicare Advantage 2021

Can you enroll in Medicare Advantage with ESRD?

In 2021, people with ESRD will be able to join Medicare Advantage Plans without any restrictions. Before 2021 you could only join a Medicare Advantage Plan with ESRD in certain situations. Starting in 2021, anyone with End-Stage Renal Disease can join an Advantage Plan.

What is ESRD?

ESRD is End-Stage Renal Disease. In other words, it is a medical condition in which your kidneys stop functioning, and you need regular long-term dialysis or a kidney transplant to maintain life. You will need dialysis when you lose about 85 to 90 percent of your kidney function. In end-stage renal disease, your kidneys do not get better, and you will need dialysis for the rest of your life or a kidney transplant.

What is Dialysis?

Dialysis uses a machine to clean your body. A dialysis machine filters your blood and removes waste, salt, and extra water. Hemodialysis treatment usually lasts about four hours and is done three times per week. Dialysis is expensive!

ESRD Medicare Advantage 2021

Shop Your Medicare Advantage Plan

Robert Bache advises you to check your ANOC – “Annual Notice of Changes,” which your Medicare Advantage Plan sends you in September. The ANOC includes any changes in coverage, costs, or service area that will be effective in January. If your cost increases, you can shop for a new Medicare Advantage Plan on October 1. If you have End-Stage Renal Disease (ESRD), our office can help you. Shop your Medicare Advantage Plan at Senior Healthcare Direct by calling 1-855-368-4717.

Find Medicare Advantage Plan

Learn how to find the right Medicare Advantage Plan and keep your doctors and medications. Moreover, we can get you the most cost-effective price! Find out how a Medicare Advantage Plan compares to Medicare Supplement Plan.

Medicare Advantage vs. Supplement

Find out which is better Medicare Advantage vs. Medicare Supplement. Discover our side-by-side comparison chart that shows you the benefits and costs of Medicare Advantage and Medicare Supplement. 

Medicare Coronavirus Update

Medicare Coronavirus Update

Medicare provides health care coverage for Coronavirus (COVID-19) testing and hospitalizations. According to Medicare.gov, “You pay no out-of-pocket costs.” for COVID-19 lab tests.

Medicare Coronavirus testing

Furthermore, Medicare covers all medically necessary hospitalizations. For example, your doctor diagnoses you with COVID-19. Consequently, you remain an inpatient for the duration of your quarantine.

Likewise, Medicare Advantage plans provide you the same coverage benefits. Moreover, Medicare waives your copays for COVID-19 lab tests.

Whether you have Original Medicare or Medicare Advantage, Senior Healthcare Direct can help you choose and compare Medicare plans from the safety of your home. Call us at 1-855-368-4717 or get your quote.

917 new COVID-19 deaths on April 1, 2020

On April 1, 2020, 917 Americans died from COVID-19. The total number of American deaths is now 4,745. According to CNN, from January until April Fool’s day, President Trump has “minimized the risk of coronavirus.” 

Trump has said:

“The virus might well vanish by April with the warmer weather, that the media and Democrats were overhyping the situation, and that this is their new hoax.” 

President Trump

Finally, on April 1, the facts are clear. COVID-19 is not vanishing in April. Moreover, President Trump said (for the first time):

“The situation is ‘bad,’ that the virus is not under control, that the country might well be heading into a recession, and that American life would not get back to normal for months.”

In this video press briefing, President Trump says he wants, “every American prepared for the hard days that lay ahead.” Moreover, Trump says, “It’s going to be a very tough two weeks.” (April 1 – April 14).

Experts Predict Huge US Death Toll

Dr Debroah Birx
Dr. Brix presents a terrifying US death toll

At White House briefing on March 31, 2020, Dr. Debroah Birx, the coronavirus response coordinator, makes a grim prediction. An IHME model by Chris Murray, at the University of Washington, predicts 100,000 to 240,000 Americans will die from COVID-19 in the next two months.

Most importantly, this prediction requires all American’s to engage in social distancing. Otherwise, the American death toll could be in the millions.


You can slow the spread of Coronavirus

To slow the spread of Coronavirus, all Americans must do the following:

  • Restrict social gatherings to 10 people or less
  • Stay at least 6 feet away from people (Social Distancing)
  • Stay at home and shop online for whatever you need

If you ignore these guidelines, millions of Americans are likely to die. Experts predict a mountain of deaths between 1.5 million and 2.2 million if Americans fail to slow the spread of Coronavirus.

Medicare Coronavirus Update
Medicare Coronavirus Update

Medicare will cover the Coronavirus vaccine

Currently, scientists continue to work on COVID-19 vaccines. The estimated timeline for an approved vaccine maybe 12 – 18 months. When a vaccine becomes available, your Medicare Part D plan will cover it.

Related article: Get Coronavirus Tips to Stay Safe

About Brian Kondas

Brian Kondas writes well-researched, high-quality, and accurate content for Senior Healthcare Direct. Brian writes about Medicare-related topics including the Coronavirus. Moreover, Brian search engine optimizes (SEO) content, so it ranks higher in search engines and drives organic traffic. Furthermore, Brian produces high-quality digital images, videos, and infographics. Follow him on Twitter @KondasBrian

4 parts of medicare

Medicare Parts coverage and cost in 2020

What do Medicare Parts cover and cost in 2020?

There are 4 parts of Medicare: Part A, Part B, Part C, and Part D.

  • Part A covers inpatient hospital services.
  • Part B covers outpatient medical services.
  • Part C is Medicare Advantage plan offered by private companies approved by Medicare.
  • Part D provides prescription drug coverage to lower the cost you pay for medications.

Before you receive any of the health benefits above, you must first pay Part A deductible of $1408 in 2020. However, you can avoid paying this cost by having a Medicare Supplement plan.

Embed and download 4 Parts of Medicare infographic

What does Medicare Part A cover and cost in 2020?

According to Medicare.gov, Part A covers the following:

  • Inpatient hospital care
  • Skilled Nursing Facility care
  • Long-term Care Hospitals
Medicare Part A - Hospital

Inpatient Hospitals Coverage and Cost in 2020

The first 60 days of inpatient care is covered by Medicare Part A. In other words, you pay $0 coinsurance for eash 60 day benefit period. For example, you can be a hospital inpatient multiple times per year and each hospital stay will cost you nothing so long as each stay is 60 days or less. However, hospital stays between 61 days and 90 days will cost you $352 coinsurance per day in 2020.

Skilled Nursing Facility

Skilled Nursing Facility Coverage and Cost in 2020

Medicare Part A also covers 20 days of care in a Skilled Nursing Facility (SNF). Specifically, you pay $0 coinsurance for each 20 day benefit period. Some of the benefits of SNF include physical therapy, meals, and dietary counseling. Therefore, you can get short-term skilled nursing care multiple times per year for no cost so long as each stay is 20 days or less. However, SNF stays between 21 days and 100 days will cost you $176 per day in 2020.

Long-term Care Hospital Coverage and Cost in 2020

Medicare Part A covers the first 60 days in a Long-term Care Hospital (LTCH). In particular, the cost of LTCH is $0 for each 60 day benefit period under the following conditions.

  • You are transferred to a LTCH directly from an acute care hospital.
  • You are admitted to a LTCH within 60 days of being discharged from a hospital.

If the above conditions do not apply, then you must pay $1364 deductible in 2020 before Medicare will pay anything. Furthermore, LTCH stays from 61 days to 90 days will cost you $341 coinsurance per day in 2020.

Medicare Part A - Long-Term Hospital Care

What does Medicare Part B cover and Cost in 2020?

Medicare Part B covers the following services:

  • Medical outpatient services for stays at any hospital or medical facility for less than 24 hours. For example, a stay that occurs overnight but for less than 24 hours is outpatient service.
  • Preventive services to prevent illness such as seasonal flu-shot and annual wellness visits.
first aid kit

Medicare Outpatient Coverage and Cost in 2020

Original Medicare covers 80% of medically necessary services and supplies. These Part B medical services include:

Before Medicare pays for these medical services and supplies, you must first pay Part B deductible of $198 in 2020. Furthermore, you are responsible to pay the 20% that Medicare does not cover. However, Medicare Supplement Plan C and Plan F pay Part B deductible and your 20% coinsurance.

Medicare Preventive Coverage and Cost in 2020

Medicare preventive services cover screening tests that help detect health conditions at early stages when treatment is most effective. In the tables below, we list 31 preventive tests covered by Medicare Part B. 

Medicare Part B preventive screening table 1
Click to view larger table size
Medicare Part B preventive screening table 2
Click to view larger table size

In the tables above, 71% of these screening tests are free after you pay the $198 Part B deductible. Furthermore, 19% of tests require payment of Part B deductible and 20% coinsurance. Finally, 10% of tests you pay absolutely nothing: neither Part B deductible nor 20% coinsurance. These preventive screening tests are completely FREE:

  • Nutrition Therapy Service – you pay nothing if you have diabetes or kidney disease.
  • “Welcome to Medicare” preventive visit – you pay nothing as long as the doctor does not perform additional tests or services.
  • Yearly Wellness Visit – is free every 12 months as long as the doctor does not perform additional tests or services.

To receive Part B coverage you need to pay a monthly premium. In 2020, the standard premium for Part B is $144.60.

What does Medicare Part C cover and cost in 2020?

Part C Medicare Advantage network
MA plans have a network of doctors, hospitals, and other medical services.

Medicare Part C is an alternative to Original Medicare and covers Part A (Hospital Insurance) and Part B (Medical Insurance). Part C is also known as Medicare Advantage (MA) Plan.

Medicare Advantage (MA) Coverage

MA plans often include Medicare Part D prescription drug coverage. Moreover, many MA plans include extra benefits not covered by Original Medicare. For example, MA plans may include dental, vision, and hearing. Some MA plans even include gym memberships such as Silver Sneakers! MA plans are offered through a network of healthcare providers HMO or PPO.

Medicare Advantage (MA) Costs

To enroll in Medicare Advantage Plan (Part C) you must first be enrolled in Part A and Part B. Most Seniors pay no premium for Part A. However, you will have to pay Part B monthly premiums. In 2020, the standard premium for Part B is $144.66. Furthermore, you will need to pay a monthly Part C premium. According to The Kaiser Family Foundation, the average Medicare Advantage Plan premium is $36 in 2020.

When you add standard Part B and average MA premiums, the total monthly cost is $180.66 in 2020. Conversely, Original Medicare Part B and Part D premiums only cost $177.34 in 2020. However, you may be thrilled to get a gym membership for only a few extra dollars per month!

You can choose a lower premium MA plan. As a result, you may be excited to pay less every month. However, these MA plans will have higher deductibles, copays, and larger out-of-pocket limits. Consequently, the cost to use your health insurance will be much higher. You can avoid these excessive costs by choosing an MA premium of $40 or more.

What does Medicare Part D cover and cost in 2020?

 Part D drug plan
Part D drug plans save you money

Part D saves you money on prescription drugs. Specifically, it reduces your cost for brand-name and generic drugs. For example, rather than paying the full retail price for medications, you only pay small copayments with Part D. To join a Part D drug plan, you must be enrollment in certain parts of Medicare.

How to Join a Drug Plan

You must have either Part A or Part B to join a stand-alone Part D drug plan with Original Medicare. However, you must have both Part A and Part B to join a Medicare Advantage plan.

Part D Costs for Original Medicare and MA Plans

To enroll in Part D with Original Medicare you need to have either Part A or Part B. However, most people have both Part A and Part B coverage. Since private health insurance companies such as Aetna, Mutual of Omaha, and AARP provide drug coverage, the price you pay will vary.

Part D drug costs in 2020 

All Part D drug plans a monthly Part D premium. This amount will depend on the income reported on your 2018 tax return. Some Part D plans have an annual deductible which can not be more than $435 in 2020. However, other drug plans may have little or no deductible. 

After the out-of-pocket deductible, you pay either a copay or coinsurance for each prescription drug. For example, $10 copay for all drugs on a tier or 25% of the drug cost. Furthermore, after you and your drug plan spend a certain amount, you enter a coverage gap called the donut hole.

Donut Hole Costs in 2020

In 2020, you will enter the donut hole and pay 25% coinsurance for both brand-name and generic drugs when your drug plan spends $4,020. After total out-of-pocket drug costs are $6,350 in 2020, you exit the donut hole.

Want More Help with Medicare Parts?

You can speak with a licensed agent at 1-855-368-4717 and get more help with the 4 parts of Medicare: A, B, C, and D. Our team is very experienced at explaining Medicare parts and how they work. 

.

Happy Seniors

Medicare Open Enrollment Period

Medicare Open Enrollment Period

Once a year Medicare open enrollment period is October 15 to December 7 – also known as Annual Election Period or Annual Enrollment period – anyone with Medicare can make changes to their Medicare health plans and prescription drug coverage for the following year. For example, the next Medicare open enrollment is October 15, 2020 through December 7, 2020. Any changes you make to Medicare coverage during this open enrollment period will take effect in January 2021. Read more about what you can do during open enrollment period.

Medicare Advantage Open Enrollment

Likewise, Medicare Advantage open enrollment period occurs once a year between January 1 thru March 31. Anyone who has a Medicare Advantage Plan can switch to a different Medicare Advantage Plan. Alternatively, you can drop Medicare Advantage and return to Original Medicare. Then you can join a Medicare Part D prescription drug plan. For example, read the following story about George.

Why George Switched from Medicare Advantage to Original Medicare

open enrollment for medicare
George and Barbara excited about switching to Medicare Part D plan

George turned 65 last last year and enrolled in Medicare Advantage Plan. In 2020, George and his wife Barbara bought a recreation vehicle (RV). Together they plan to enjoy retirement by traveling across the United States in their new RV. However, George has an Advantage Plan and when he travels outside of his service area he pays higher out-of-network costs. Therefore, George makes a smart move and switches from his Advantage Plan to Medicare with Part D prescription drug plan.

Now, George and Barbara have peace of mind knowing their health costs will remain consistent whereever they travel in the United States. The good news is you can switch too! Medicare Advantage Open Enrollment Period (OEP) is January 1 to March 31. If you have a Medicare Advantage Plan, you can switch to another Medicare Advantage Plan. Otherwise, you can drop Medicare Advantage and enroll in Original Medicare and join Part D prescription drug plan. Alternatively, you can change from Medicare Advantage and to Medicare Supplement Plan. To shop and compare Medicare plans call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.

get Medicare quote button

Common Questions About Medicare Open Enrollment

What is Medicare open enrollment?

Medicare open enrollment also called annual election period and annual enrollment period (AEP) is the annual period between October 15 and December 7 when people eligible for Medicare can change their Medicare plan.

When is Medicare open enrollment?

Annual Medicare open enrollment period is October 15 to December 7. Open enrollment for 2020 coverage ended on December 7, 2019. Next open enrollment will begin October 15, 2020 for coverage starting in January 2021.

What is Medicare Advantage open enrollment?

Medicare Advantage open enrollment only applies to people who have Medicare Advantage plans. During Medicare Advantage OEP you can switch to a different Medicare Advantage plan. Alternatively, you can switch from Medicare Advantage plan to Original Medicare including Part D prescription drug plan.

When is Medicare Advantage open enrollment?

Medicare Advantage open enrollment is January 1 to March 31.

What’s you can not switch in Medicare Advantage open enrollment?

During Medicare Advantage open enrollment period you can not switch from Original Medicare to Medicare Advantage Plan. In addition, you can not join Medicare Part D prescription drug plan. Furthermore, you can not switch from Medicare Part D drug plan to another Part D drug plan.

Silver Sneakers Medicare Plans

Silver Sneakers Medicare Plans

What is Silver Sneakers?

medicare plans silver sneakers

Silver Sneakers is a health and fitness program for Medicare beneficiaries 65 years or older. Thus, if your a senior Medicare Plans may pay for Silver Sneakers. Members of Silver Sneakers have access to thousands of gyms, community centers, and other participating fitness location across the nation. As a member you can take classes designed for seniors of all fitness levels led by trained instructors. In addition, you have access to on-demand video library of classes and workouts. You can even download the SilverSneakers GO app to get your digital membership card and workouts. The app is free and available on IOS and Android devices. Most important, Silver Sneakers is a place for seniors to find a friendly, supportive community in person and online.

Why Join Silver Sneakers?

Silver Sneakers helps you stay strong in body, mind, and spirit. Regular physical activity keeps your heart, brain, bones, muscles, and joints healthy. For instance, if you have a chronic condition like arthritis, diabetes, or osteoporosis, safe exercise can help you feel better. In addition, staying social in the Silver Sneakers community is vital to your good health.

Silver Sneakers Program

The Silver Sneakers program includes a basic membership at any participating gym. Facilities and amenities vary by location, however, many Medicare Silver Sneaker gyms include the following:

  • Cardio equipment, including treadmills and ellipticals
  • Strength training equipment, such as weights and strength machines
  • Amenities, such as pools and walking tracks

Unlike other senior gym memberships, you can go to all fitness locations in the Silver Sneakers network. You can visit over 17,0000 Medicare Silver Sneaker locations across the United States.

Silver Sneaker program includes many types of exercise classes. You will find a variety of fun exercises classes designed for seniors of all fitness levels. Classes vary by location, but you will often find the following:

Silver Sneakers Program
  • Cardio and strength classes, which often include a chair for support
  • Water aerobics classesChair and standing yoga classes
  • Tai Chi, boot camp, and many other classes!

The instructors who lead Silver Sneaker classes are friendly and supportive. If you are new to a class, the instructor can help you learn how to do exercises safely. Furthermore, if you have limited mobility, instructors can adapt exercises for your needs.

Do you want to try something different from traditional gyms? You might like to try Silver Sneakers FLEX classes. The Silver Sneakers program offers more than 70 kinds of classes through its FLEX network. You can visit many different locations such as churches, community centers, or recreation centers. Some FLEX classes meet outdoors and many FLEX class sizes are smaller than gym classes.

Where to Find Silver Sneakers Locations and Classes?

You can find a Silver Sneakers locations and classes near you using the locator tool. You can go to any participating location or class you want in the Silver Sneakers network. For example, you can use weights in one location, go swimming at another location, and take a Silver Sneakers or FLEX class at a third location.

Medicare Plans with Silver Sneakers

You can find Silver Sneakers with Medicare Supplement Plans or Medicare Advantage Plans. However, you are less likely to find Silver Sneakers included in a Medicare Supplement Plans. A few of the Medicare insurance companies that may offer you Silver Sneakers Medigap Plans include:

  • AARP
  • Bankers Life aka Colonial Penn Life Insurance
  • Blue Cross Blue Shield

Depending on your location, Medicare plans with Silver Sneakers may be covered by Medicare Supplement Plan F or Plan G. However, more insurance companies offer Silver Sneakers with Medicare Advantage Plans including:

  • Aetna
  • Blue Cross Blue Shield
  • Humana
  • Mutual of Ohama
  • UnitedHealthcare
  • Well Care

You are more likely to find a Medicare Advantage Plan with Silver Sneakers than a Medicare Supplement Plan.

Silver sneakers enrollment

During Medicare Open Enrollment Period, you can switch to a Medicare Advantage Plan with Silver Sneakers between January 1 and March 31. To switch your Medicare Advantage Plan, you must be in a Medicare Advantage Plan now. Otherwise, you will need to wait until Annual Enrollment October 15 thru December 7. However, if you have Medicare Supplement Plan, you can shop a new Medigap Plan with Silver Sneakers anytime all year long. You can speak with a licensed agent about switching your Medicare Advantage Plan or Medicare Supplement Plan at Senior Healthcare Direct 1-855-368-4717. Otherwise, you can click the get quote button below.

medicare plans silver sneakers

Common Questions About silver sneakers

Does Medicare Cover Silver Sneakers?

Silver Sneakers is covered by many Medicare plans. For example, Silver Sneakers is covered by many Medicare Advantage Plans and Medicare Supplement Plans.

Does traditional Medicare cover Silver Sneakers?

Unfortunately, Original Medicare Part A and Part B does not offer or include Silver Sneakers.

Is Silver Sneakers available to anyone on Medicare?

To be eligible for Silver Sneakers you must be 65 years or older. Some people qualify for Medicare because of disability and are younger than 65.

Does Medicare Pay for Silver Sneakers?

If your Medicare Supplement Plan or Medicare Advantage Plan includes Silver Sneakers, then Medicare pays for Silver Sneakers.