How It Operates?
Senior Health Advantage Insurance plans provide a comprehensive array of advantages.
01.
Connect with Your Licensed Insurance Agent
Reach out to us to connect with your own licensed insurance agent.
02.
Share Your Priorities
Talk about your insurance requirements and enrollment status.
03.
Explore Your Choices
Examine the benefits offered by a Senior Health Advantage plan.
04.
Enroll and Enjoy
Sign up for a Senior Health Advantage plan and begin enjoying its benefits.
How Senior Health Advantage Plans Function?
Senior Health Advantage Plans present an alternative approach to receive your Medicare Part A and Part B coverage. Offered by Medicare-approved private companies adhering to Medicare regulations, these plans, also known as "Part C" or "MA Plans," operate in a manner where you maintain your Medicare coverage while obtaining the majority of your Part A and Part B benefits through the Medicare Advantage Plan, rather than Original Medicare.
Medicare Advantage Plan
Various Types of Medicare Advantage Plans:
What is a Medicare Advantage Plan?
You have two options to receive your Medicare benefits: either through Original Medicare or a Medicare Advantage Plan (such as an HMO or PPO). With Original Medicare, the government covers your Medicare benefits when you utilize them. On the other hand, Medicare Advantage Plans, also known as "Part C" or "MA Plans," are offered by private insurance companies approved by Medicare. Medicare pays these companies to provide your Medicare benefits. If you choose to enroll in a Medicare Advantage Plan, the plan will furnish all your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage.
1. Health Maintenance Organization (HMO) plans: In most HMOs, you can only receive healthcare services from doctors, healthcare providers, or hospitals within the plan's network, except in urgent or emergency situations. You may also require a referral from your primary care doctor for tests or to consult with other specialists.
2. Preferred Provider Organization (PPO) plans: PPO plans offer reduced costs if you utilize doctors, hospitals, and other healthcare providers within the plan's network. However, higher costs typically apply if you choose to use providers outside of the network.
3. Private Fee-for-Service (PFFS) plans: PFFS plans are similar to Original Medicare, allowing you to visit any doctor, healthcare provider, or hospital that accepts the plan's payment terms. The plan sets the payment rates for providers, and you are responsible for paying your share when receiving care.
4. Special Needs Plans (SNPs): SNPs cater to specific groups of people with focused and specialized healthcare, such as individuals with both Medicare and Medicaid, those residing in nursing homes, or those with certain chronic medical conditions.
5. HMO Point-of-Service (HMOPOS) plans: These plans are HMOs that may permit some out-of-network services at a higher copayment or coinsurance.
6. Flex Card plans: Medicare flex cards are preloaded debit cards that beneficiaries can use for eligible expenses like over-the-counter medications, co-payments, and dental, vision, and hearing benefits. These cards are offered by specific Medicare Advantage plans.
Why People Choose Us
Assisting individuals in discovering cost-effective Medicare Advantage plans.
Potentially saving you thousands of dollars in Medicare out-of-pocket expenses.
Ensuring you can retain your Medicare doctor.
Make the Right Decision
Solutions for Your Concerns!
Certified insurance agents in your vicinity are ready to assist you in discovering a plan that perfectly matches your requirements and budget.
- Obtain a complimentary quote with complete transparency and no hidden expenses. (*No obligation to enroll)
- Find your ideal plan in as little as 15 minutes.
- Access multiple health insurance companies.
- Receive guidance throughout the entire enrollment process.
Get in Touch
Do you have inquiries or require assistance? Utilize the form to get in contact with us, and we'll respond to you as swiftly as we can.
Discover Your Ideal Plan
FAQ's
For a deeper understanding, here are some commonly asked questions about our services.
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Disclaimer: The plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan is subject to the plan's contract renewal with Medicare.
TPMO Disclaimer: "We do not offer every plan available in your area. At present, we represent multiple insurance organizations such as Aetna, Humana, Blue Cross Blue Shield, and others that provide various insurance products, including Medicare supplement, advantage plans, Plan D, and life insurance in your area. For information on all available options, please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP)."
FCS Disclaimer: Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS] and/or Prescription Drug Plan organizations that have contracts with Medicare. Enrollment depends on the plan's contract renewal.
OEP/SEP Disclaimer: Enrollment in the described plan type may be limited to certain times of the year unless you qualify for a Special Enrollment Period.