Medicare Advantage Plans, sometimes called “Part C" or "MA Plans," are offered by private insurance companies paid by Medicare to cover your Medicare benefits. Typically the plans combine hospital, medical and sometimes prescription benefits. Some even offer basic ancillary services like dental and eye exams, wellness programs as well as fitness club memberships. We represent all the major carriers and offer free consultations to ascertain what program best serves your needs. There are different types of Medicare Advantage Plans:
Health Maintenance Organization (HMO) Plans
Health Maintenance Organization (HMO) Plans are generally the most restrictive in network for doctors, health care providers or hospitals with the exception of an emergency situation. Many also require a referral from a primary care doctor for tests or to see a specialist.
Preferred Provider Organization (PPO) Plans
Preferred Provider Organization (PPO) Plans offer a larger network of doctors, hospitals and network providers but also offers less cost sharing for benefits within the network than outside.
Private Fee For Service (PFFS) Plans
Private Fee For Service (PFFS) Plans are similar to Original Medicare because you can be serviced by any doctor, healthcare provider or hospital as long as they accept the plans payment terms.
Special Needs Plans (SNP)
Special Needs Plans (SNP) provide specialized healthcare for specific groups of people with certain chronic medical conditions, have both Medicare and Medicaid, and live in a nursing home.