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Find Medicare Advantage Plans Available in Your Area

Quickly find the right Medicare Advantage plan and be prepared for your healthcare needs.

Medicare Advantage plans offer hospital and outpatient coverage and may also provide additional plan benefits while helping to reduce healthcare costs. There are many different Medicare Advantage plans with varying cost structures and benefits.

We have licensed insurance agents waiting to assist you if you’re not sure what Medicare policy fits your needs.

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Frequently asked questions

Medicare Advantage FAQs

Medicare Advantage, also known as Medicare Part C, includes both Medicare Part A (for inpatient and hospital expenses) and Part B (for outpatient medical expenditures) benefits. Medicare Advantage plans are offered by private insurance companies who are approved by the Centers for Medicare and Medicaid Services (CMS). These companies follow the rules set by Medicare.

What does Medicare Advantage cover?

Medicare Advantage plans cover services typically covered under Original Medicare Parts A and B and may include additional benefits. For example, most Medicare Advantage plans also include Part D (prescription D coverage). Medicare Advantage plan benefits include:

Hospital Costs

Medicare Advantage has the same hospital care benefits as Medicare Part A, including coverage for medically necessary nursing home care and at least 90 days of inpatient care. Depending on the length of your stay, your plan may require a copayment.

Medical Care

Medicare Advantage, like Medicare Part B, covers two types of services:

  • Medically necessary services, such as care or supplies needed to treat or diagnose a medical condition.
  • Preventive services, such as routine health screenings and patient counseling

Examples of services covered by Medicare Part B include:

  • Mental health care
  • Medical equipment such as walkers, wheelchairs, etc.
  • Routine doctor’s visits
  • Ambulance services

Depending on the specific care needed, your plan may require a copayment.

Prescription Medications

As a Medicare beneficiary, you may obtain coverage for prescription medication by purchasing a stand-alone Part D plan or enrolling in a Medicare Advantage plan that includes Part D coverage.

Note that not everyone will be eligible for a Part D plan.

Out-of-pocket costs

Medicare Advantage plans with Part D coverage require copayments for prescription medication. The copayment amount depends on the type of drug and the plan. Some Medicare Advantage plans also feature a deductible for prescription drugs, which is paid out of pocket before your drug coverage activates.

Medicare Advantage, like Original Medicare, does not cover the following:

  • Most long-term care placements for custodial care, which includes help with eating, using the restroom, bathing, and dressing. 
  • Medically unnecessary services, including most cosmetic surgeries.
  • Out-of-country medical insurance. If you need health services outside of the United States, a Medigap policy may cover you for limited care in foreign countries.

Although Medicare Advantage plans do not cover most long-term care placements, it does cover long-term care if you need skilled and specialized nursing services for a qualifying medical condition. To be eligible, patients must be recovering from a covered hospital stay and have inpatient benefit days remaining.

Medicare Advantage plans are managed by private insurance carriers that are approved by Medicare. These carriers utilize provider networks. Depending on the plan type, some plans may offer coverage for out-of-network care, while other types may provide limited or no coverage for services outside of the plan’s network or service area. However, all Medicare Advantage plans must cover emergency or urgently needed care even if obtained outside of the plan’s network.

In contrast, Original Medicare is managed by the Centers for Medicare & Medicaid Services, a federal agency. It does not utilize health networks, meaning beneficiaries can go to just about any doctor or hospital that accepts Medicare in the United States.

Medicare Advantage plans may include: 

  • Medicare Part A (hospital insurance) 
  • Medicare Part B (medical insurance) 
  • Medicare Part D (drug coverage), which is typically included but not always

You’re eligible for Medicare Advantage if both of the following apply:

  • You have Original Medicare Part A and Part B
  • You live in your chosen plan’s service area for at least six months of the year 

If you aren’t sure what service area you live in, ask your plan carrier to define their service areas for you. 

There are four enrollment periods during which you can either enroll, drop, or switch a Medicare Advantage plan: 

Initial Enrollment Period 

This begins when you first become eligible for Medicare. This enrollment period   begins three months before your 65th birthday, includes the month you turn age 65, and ends three months after your 65th birthday month.  Your Initial Enrollment Period lasts a total of seven months.

Medicare Advantage Open Enrollment Period 

If you are already enrolled in a Medicare Advantage plan, you can switch plans (subject to some restrictions), or switch back to Original Medicare between January 1 and March 31 every year. If you have Medicare Part A and sign up for Part B for the first time during this period, you will be able to sign up for a Medicare Advantage plan between April 1 and June 30 during the same year.

Medicare’s Annual Election Period 

Medicare’s Annual Election Period occurs every year between October 15 and December 7. During this time, anyone with Medicare can add, switch, or drop a Medicare Advantage plan. If you join a Medicare Advantage plan during this period, your coverage will begin on January 1 as long as your plan provider receives your request to join by December 7.

Special Enrollment Periods 

If you did not utilize one of the enrollment periods above, you may be eligible to join a Medicare Advantage plan or switch coverage under certain circumstances. These include, but are not limited to: 

  • A current plan dropping its contract with Medicare 
  • Loss of existing coverage, including drug or COBRA coverage 
  • An address change that affects your coverage 

Medicare Advantage plans can have varying costs since each plan can charge different out-of-pocket costs, including deductibles, coinsurance, and copayments. They may also have different rules for how you get services, such as:  

  • Whether you need referrals to see specialists  
  • Whether you must seek services from facilities, suppliers, or doctors that belong to the plan’s network for non-urgent or non-emergency care  

These rules can change every year, so review any updates from your plan carrier. If you feel that your plan no longer fits your needs, Assurance can help you shop for a better one.

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