Medicare Advantage

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Medicare Advantage, compared against your actual doctors.

Part C plans bundle hospital, medical and usually drug coverage into one plan, often with extras Original Medicare does not include. The right one depends entirely on which providers and prescriptions it covers.

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The Basics

One plan instead of three, with a network attached.

A Medicare Advantage plan replaces Original Medicare as your primary coverage. Instead of carrying Parts A and B plus a supplement plus a drug plan, you have one card and one plan.

The trade is networks and prior authorization. Advantage plans typically have lower monthly premiums but you pay as you use care, and staying in network matters. That works well for some people and poorly for others, which is why the plan comparison has to start with your doctors and your medication list rather than the premium.

  • Usually includes Part D drug coverage
  • Often adds dental, vision and hearing benefits
  • Annual out-of-pocket maximum, which Original Medicare lacks
  • Plan availability varies by county, so your options are local

Bring to Your Appointment

  • • Your Medicare card
  • • A list of your prescriptions and dosages
  • • The doctors you want to keep
  • • Any current plan documents
What to Compare

How we evaluate a plan for you

Provider Network

Whether your current doctors and preferred hospitals are in network.

Drug Formulary

Whether your specific medications are covered, and at what tier.

Out-of-Pocket Maximum

The annual ceiling on what you can be asked to pay for covered care.

Extra Benefits

Dental, vision, hearing, fitness and transportation benefits vary widely.

Travel Coverage

How the plan handles care outside its service area, which matters if you travel.

Star Ratings

CMS quality ratings, which reflect member experience and plan performance.

Common Questions

Medicare Advantage FAQs

What does your help cost?
Nothing. Licensed agents are compensated by the carrier, and plan pricing is set by CMS, so you do not pay less by enrolling on your own.
Advantage or Medigap, which is better?
Neither, universally. Advantage generally means lower premiums with network limits and cost-sharing as you use care. Medigap means higher premiums with far more predictable costs and broad provider access. Your health, travel habits and budget decide it.
Can I change plans later?
You can change during Annual Enrollment each fall. Switching from Advantage back to Original Medicare with a supplement can be harder later, because Medigap may require medical underwriting outside your one-time open enrollment window.
Do I still pay my Part B premium?
Yes. You keep paying Part B, and the Advantage plan premium is on top of it. Some plans have a zero-dollar premium, which means no additional cost beyond Part B.

Let’s compare what’s available in your county.

Bring your medication list and we will do the work.

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