How to choose your Medicare Advantage Plan:

How to choose your Medicare Advantage Plan:

Step 1) Understand how a Medicare Advantage Plan works.

  • Medicare Advantage Plans are health plans that typically have low monthly premiums, HMO or PPO Networks of Doctors / Providers, most include Part D coverage. When you have a Medicare Advantage Plan you will have a copay for almost all of the medical services that you receive until you reach your “max out of pocket limit”.

Step 2) when choosing a Medicare Advantage Plan, you need to decide if you are Benefit Focused or Network Focused.

  • Benefit Focused – This means that you want the Medicare Advantage Plan that is going to have the best benefits; the lowest copays, the lowest “max out of pocket”, comprehensive drug coverage. May also include: dental, vision, hearing, transportation, free gym membership or more cool added benefits.
  • Network Focused – This means that the Doctors / Providers that are accepting the Plan are most important to you.

The reason that it is so important for you to choose your “focus” is because there is not usually a perfect Medicare Advantage Plan in your County. Most of the time the Medicare Advantage Plans that have the best benefits have a smaller Network. (Smaller Network – usually an HMO Plan and may not be widely accepted by a lot of Doctors / Providers). On the other hand, the Medicare Advantage Plans that have the larger Doctor / Provider Networks (Larger Network – usually a PPO Plan and is accept by more Doctors / Providers) typically have higher copay and costs to you.

NOTE: Insurance Companies can coordinate your care more cost effectively on HMO Plans and therefore can provide a stronger benefit package. However, Less Doctors / Providers tend to accept these plans as their reimbursement rate is typically less. (Reimbursement rate = how much the Doctors / Providers get paid).

Question to ask yourself: Do I want the best Plan in my area OR do I want the flexibility to have more of a choice for my Doctors / Providers?

Step 3) Click here to complete our “MEDICARE ADVANTAGE PLAN FINDER FORM”

Senior Healthcare Direct represents all the top Medicare Plans in your County. This allows us to make an unbiased recommendation at to which Plan makes the most sense for you. More Options for YOU: No other Brokerage Company has as many Medicare Advantage Plan Carriers as we do: Aetna, AARP / United Healthcare, Coventry, Humana, WellCare and more!

Convenience – We are approved to assist and enroll you right over the phone!

Service – We will research which plans your Doctors / Providers accepts, which plans cover your meds for the best price, and which plans have the lowest copays for you!

To get expert assistance with choosing your Medicare Advantage Plan for 2016, please complete the “Medicare Advantage Plan Finder Form”.

Click here to complete our “MEDICARE ADVANTAGE PLAN FINDER FORM”