Medicare Advantage Plans with Premiums Starting at $0/Month

Part C Benefits

For you to be able to consider joining a Advantage plan you need to already have Medicare Parts A & B, you must live in a plans service area & you can NOT have End Stage Renal Disease

MA plans are a viable choice for many people who don’t want to pay for a Medigap plan. Yes, you will have some restrictions and out of pocket costs but we can simply compare each option

Let's go over some of the basics first

Medicare Advantage Part C plans are health insurance offered by private insurance companies who are contracted by Medicare. If you join a Advantage plan, that company will provide you will all your health insurance services. Below are the most common types of Medicare Advantage Plans. Most people choose an HMO or they might qualify for SNP.

HMO

If you join a HMO (Health Maintenance Organization), you will have a primary care doctor (PCP) who will coordinate all your care. If you need a specialist, your PCP will need to write you a referral. HMO’s have networks, that means you have to use providers and facilities inside that network. 

PPO

A PPO (Preferred Provider Organization) is almost the same as an HMO, the main difference is that an PPO gives you a larger network of providers and the option to go outside of your network. In exchange, you will have to pay larger copays when using providers who are not in the network.  

SNP

SNP’s are Special Needs Plan’s for people who have certain conditions like for example Diabetes. There is also Dual SNP’s, which are for people who have Medicare but also qualify for Medicaid at the same time. SNP’s work on the bases of more closely coordinating care with the beneficiaries to provider care. 

What you will have to pay

Once you are enrolled, you will have costs associated with your care. Let’s look at some examples (Your plan might have different amounts)

HMO

Here is a partial out-of-pocket breakdown of a current (2020) HMO plan in the Tampa Area that a lot of people sign up for. 

  • Premium $0
  • PCP Visit = $0
  • Specialist = $5
  • Hospital = $25 Day 1-6
  • ER Visit = $ 100
  • MOOP = $1900
  • RX Inc – No Deductible
  • Vision, Dental, Hearing, OTC & Fitness Included 

PPO

Here is a partial out-of-pocket breakdown of a current (2020) Regional PPO. That means you can visit providers state wide.

  • Premium $101
  • PCP = $5
  • Specialist = $45
  • Hospital = $290 Day 1-6
  • MOOP = $6700
  • RX Inc – $100 Ded T1-5
  • Vision, Dental, Hearing, OTC & Fitness Included

D-SNP

Dual Eligible Special Needs plan for people who qualify for Medicaid are based their qualifications. These plans include rich supplemental benefits designed for dual members.

  I’m not going to go into that here because it’s so wide and different for anyone with Medicaid. If you have Medicare and Medicaid, we can review your coverage to make sure you’re getting everything.

 

What you need to consider with Part C

Medicare Advantage plans work great for some people, but other hate them due to their restrictions. You need to look at all options to decided which one work best for your health & future health. 

If you have any questions, I am here to help you answer them. You can call me 813-749-6605 or click below to schedule your Appointment

Medicare Advantage plans are widely used in the United States.

As of 2019, 34% of people who have Medicare are enrolled.

The good, the bad & the ugly!

The most comprehensive coverage, which will likely result in the fewest unexpected out-of-pocket expenses, is traditional Medicare Part A&B paired with a Medigap policy and a Part D prescriptions plan.

Most people who have there Medicare structured like that don’t have surprises which they can’t handle.

Over the last 10 years Advantage companies have made a big push the market Part C plans to the masses. Sometimes with great results to those who find the right plan but it can have great consequences to those who simply fall for enticing marketing that says it’s all free!

It is very important to sit down with someone who knows these plans and can answer all your questions so that you don’t have any surprises in the future. 

If you have Questions, you can Speak with your local agent now

Daniel Vujinovic
Daniel - Senior Agent

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