An Introduction to Medicare Advantage Plans for Seniors
Medicare Advantage Plans, which are also known as Part C, are another way to get your Medicare benefits. Instead of using Original Medicare, you get your coverage through a private insurance company. These plans are required by law to cover everything Original Medicare covers, but they often include extra perks as well.
At Allied Senior Services Insurance, we act as a friendly guide through the world of Medicare Advantage Plans. We know that these plans can be confusing because there are so many choices. Our goal is to be a good listener and help you understand how these plans might work for your specific situation. As an independent agency, we can review many plans from various companies to help you find the one that is most likely to meet your needs.
Why An Independent Agency Is a Good Choice for You
When you search for a Medicare Advantage Plan, you might see many ads from big companies. A captive agent for one of those companies can only tell you about their specific plan. They cannot tell you if a different company has a plan that might be a better fit for you.
An independent agency is different. We are an advocate for the person, not the insurance company. We have the experience of comparing many different plans side-by-side. This is important because Medicare Advantage Plans can vary a lot. Some might have lower prescription costs, while others might have better dental or vision benefits. By working with us, you get to see a broad view of what is available in the West Allis area. We want to help you find a plan that fits your lifestyle.
What Makes Medicare Advantage Plans Unique?
Medicare Advantage Plans combine several types of coverage into one plan. Most of these plans include Medicare Part D, which covers prescription drugs. They also often include extras that Original Medicare does not cover, such as dental exams, eyeglasses, or hearing aids. In some cases, plans may even offer fitness memberships or transportation to doctor visits.
Because these plans are run by private companies, they often use a network of doctors and hospitals. This means you will likely need to see providers who are part of the plan’s network to get the lowest costs. Depending on the plan, you might need a referral to see a specialist. We can help you check if your favorite doctors are in the network of the plans you are considering.
Why Medicare Advantage Plans Are Important for Your Health
Having a Medicare Advantage Plan is important because it can provide a “one-stop shop” for your health needs. Instead of having several different cards and plans, everything is likely to be under one roof. This can make managing your health care much simpler.
Another important feature is the out-of-pocket limit. Original Medicare does not have a limit on how much you might have to pay in a year. Medicare Advantage Plans do have a maximum limit. Once you spend a certain amount on covered services, the plan is likely to cover all your covered costs for the rest of the year. This provides a safety net that can protect your savings from very high medical bills.
Finding The Right Plan in West Allis
There are many Medicare Advantage Plans available in Wisconsin, and they can change every year. This is why it is helpful to work with an experienced agency. We can help you review your plan during the annual enrollment period to ensure it remains the best option for you. If your needs change, we can help you find a new plan that fits your current situation.
Our team at Allied Senior Services Insurance is here to help. We are good listeners who want to understand your health goals. We can explain the costs, like premiums and copays, so there are no surprises. We want you to feel confident in the choices you make for your health.
If you want to learn more about Medicare Advantage Plans, we invite you to contact us. You can call us at 414-545-7878 or visit our office at 7421 W. Becher St. in West Allis, Wisconsin. We also have an online form and email if you prefer to write to us. We would be happy to provide a quote and help you compare your options.
As you think about your future, remember that having proper insurance coverage ensures that the things in life will be there for years to come.
