Medicare Advantage
What is a Medicare Advantage plan?
Medicare Advantage plans are Medicare plans offered by private insurance companies. They are also known as Medicare Part C. You need to have Medicare Parts A and B to join a Medicare Advantage plan. Medicare Advantage plans are required all services in Original Medicare except Hospice care. Hospice will always be covered by Original Medicare.
Types of Medicare Advantage plans:
- HMO plans – Members have to go to contracted providers except in the case of an emergency. Many HMO plans require referrals to see specialists.
- PPO plans – Members have the option to see in-network or out of network providers. Generally, you will pay more if you go to out of network providers. There are no referrals required.
- HMO-POS(Point of Service) – POS plans allow you to go to out of network providers for some services. Generally, you will pay more if you go out of network.
- PFFS (Private Fee for Service) plans – Most plans don’t have provider networks. Providers have to accept the terms and conditions of the plan.
Special Needs Plans (SNP):
Special Needs Plans are Medicare Advantage plans for people with specific conditions. Types of Special Needs Plans are:
- Dual SNPs – Are for people who have both Medicare and Medicaid.
- Chronic SNPs – Are for people who have a specific chronic condition.
- Institutional SNPs – Are for people who live in an institution.
Special Needs Plans can be HMO, POS or PPO plans. All SNPs include Part D.
Why should I enroll in a Medicare Advantage plan?
- Most Medicare Advantage plans include Part D(Prescription Drugs). With Original Medicare, you would have to enroll in a stand alone Part D plan and pay a monthly premium.
- All Medicare Advantage plans have a maximum out of pocket amount. Original Medicare does not have an out of pocket limit.
- Many Medicare Advantage plans include additional benefits which Original Medicare does not. Benefits such as dental, vision, free gym memberships, and hearing.
Why work with Medicare Experts in Broward County?
- Experience: We have been helping people with Medicare Advantage plans, Part D plans and Medigap plans for 19 years.
- Many Plan Options: Medicare Experts in Broward County are independent agents and have relationships with many insurance carriers. Therefore, we are able to offer our clients various plans to choose from. The list of companies that we currently work with is provided below.
- No Cost for our Services: You will never have to pay anything. If you enroll with an agent, the agent will be paid by the insurance company.
- Knowledge of plans in South Florida: Having worked the South Florida market for almost 20 years, we are very familiar with the insurance companies, plans offered and providers in the area.
- Customized Service: We will take the time to understand your lifestyle and healthcare needs. Therefore, finding you the plan that best fits your individual needs.
- Save Time: We will do all work for you, like looking up doctors, hospitals and prescription drugs.
- Continuing Support: We will always be available for you with any questions or concerns.
Insurance companies that we work with:
We are affiliated with the following insurance companies.
- UnitedHealthcare®
- Humana
- CarePlus
- Aetna
- Devoted Health
- Simply Healthcare
- Wellcare
- Cigna
- Florida Blue
We do not offer every plan available in your area. Currently, we represent 9 organizations which offer 79 products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (24 hours a day, 7 days a week) or your local State Health Insurance Program to get information on all your options.
