Learn About Medicare Insurance Plans and Get a Quote Online
Quote, compare and buy online
Medicare Insurance
Medicare Advantage plans are contracted to provide at least the same level of coverage as Original Medicare and they are offered by private insurance companies.
Medicare Advantage Plans generally offer better value either in terms of lower monthly premiums or improved benefits. In addition to the benefits you would receive from an Original Medicare plan, your Medicare Advantage plan can include prescription drug coverage (otherwise known as Medicare Part D), and routine dental and vision care.
With Medicare Advantage Plans you can establish a single point of contact for all your health insurance needs including prescription drugs.
The consideration of Medicare Advantage Plan and On Balance
- Medicare Advantage plans may be more affordable, give you better value and more flexibility to choose a plan or plans that best meet your personal circumstances.
- Advantage plans will give you greater confidence and security as a result of knowing your maximum risk
- To take best advantage you will need to stay ‘in network’ and keep to the rules of your chosen Health Insurer.
- Medicare Advantage plans deliver health care through a network of providers. If you want to be certain that your plan includes your current providers you can contact us, and a licensed Medicare specialist will guide you to the right plans.
- If you go off ‘network’ you may not be covered for your medical costs and your costs may not contribute to your ‘out of pocket’ maximum.
- If you travel a great deal, Medicare Advantage plans may not be for you. Most plans have regional networks but you can take short-term coverage for occasional trips. It may still be less expensive than Medicare Original. Make the most of your Medicare Premium.
Frequently Asked Questions
If you are planning to continue working past age 65, you may be able to delay enrolling in Medicare. If you have credible health coverage from your employer or are covered under a spouse's employer plan, you may qualify for a Special Enrollment Period, and be able to delay enrolling without penalty.
For most people, the first time you can enroll in Medicare is around your 65th birthday. You can also qualify to enroll in Medicare with a qualifying disability --- after you’ve received disability benefits for 24 months), or a qualifying medical condition --- such as Lou Gehrig’s disease (ALS) or end-stage renal disease (ESRD).
You'll have decisions to make during your IEP, even if you're automatically enrolled in Part A and Part B. What Medicare coverage you need to enroll in is based on your personal situation. Original Medicare doesn't cover everything, and Medicare coverage offered by private insurers—such as a Medicare Advantage or a Part D plan—could help fill in the gaps.
If you miss your Initial Enrollment Period, Medicare offers a General Enrollment Period (GEP) for those who did not sign up around their 65th birthday. You could face late enrollment penalties if you wait too.
Annual Enrollment Period
The AEP is October 15th – December 7th every year. Here's what you need to know:
- You can enroll in Part A, Part B or both during the time
- Coverage begins on July 1 of the following year
- You may have to pay a late enrollment penalty
- You may be eligible to enroll in a Medicare Advantage (Part C) or a prescription drug (Part D) plan.
Medicare is divided into four parts:
- Medicare Part A is insurance for hospitalization, home or skilled nursing, and hospice.
- Medicare Part B is medical insurance.
- Medicare Part C (Medicare Advantage Plans) is a private insurance option for covering hospital and medical costs.
- Medicare Part D covers prescription medications.
