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MEDICARE ADVANTAGE

Medicare Advantage plans first came into Hawaii in 2005.  A Medicare Advantage Plan is another Medicare Health Plan choice you may have as part of Medicare.

Medicare Advantage Plans, sometimes called “Part C” plans, are offered by private insurance companies approved by Medicare to administer the plan benefits.  If you join a Medicare Advantage Plan, the plan will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage.

Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you are in a Medicare Advantage Plan.

For many people, Medicare Advantage Plans are a good value because they can offer the same coverage as Original Medicare parts A & B, plus additional health benefits at a low or no additional monthly premium beyond the Medicare Part B premium.

Additional benefits are often included, such as vision services, hearing services, health screening tests and nurse helplines. Most Medicare Advantage Plans also cap your out-of-pocket spending for the year. Part D prescription drug coverage is also integrated with many Medicare Advantage Plans.

Social Security provides the bulk of most retirees' income and Medicare guarantees them affordable health insurance.  Few people know what Medicare covers and what it doesn't, what it costs, and when to sign up.  Nor do they understand which parts of Medicare are provided by the government and how these work with private insurance plans -- Medicare Advantage (MA), Prescription Drug Plan (PDP), and Medicare Supplemental (Medigap) plans.

Do you understand Medicare parts A, B, C, D?  Which Part D drug plan is right and how do you decide?  Which is better, Medigap or Medicare Advantage?  What do you do if Medicare denies payment for a procedure that your doctor says you need?  How do you navigate the appeals process for denied claims?  If you're still working or have a retiree health plan, how do these benefits work with Medicare?  Do you know about the annual enrollment period for Medicare, or about lifetime penalties for late enrollment, or any number of key Medicare rules?  This is our expertise and where we can help.

Please call us so one of our agents can go over your various options with a Medicare Advantage, Medicare Supplement, or Medicare Prescription Drug plan at 808-792-5194.