What are Medicare Advantage Plans?

Medicare Advantage Plans are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. The coverage can include prescription drug coverage. Medicare pays a set amount of money for your care every month to these private health plans whether or not you use your services. In most of these plans, generally there are extra benefits and lower co-payments than in the Original Medicare Plan. However, you may have to see doctors that belong to the plan or go to certain hospitals to get services

Medicare Advantage Plans

1. Medicare Health Maintenance Organization Plans (HMOs) you generally must get your care from a primary care doctors, specialists, or hospitals on the plan’s list (network) except for emergency care.

2. Medicare Preferred Providers Organization Plans (PPOs) In most of these plans, you pay less if you use primary care doctors, specialists, and hospitals on the plan’s list (network). You can go to any doctor, specialist, or hospitals not on the plan’s list, but it will usually cost extra.

3. Medicare Private Fee-for-Service Plans (PFFS) If you join one of these health care plans, you can go to any primary care doctor, specialist, or hospital that accepts the terms of the plan’s payments. The private company, rather than the Medicare program, decides how much it will pay and how much you pay for the services you get.


Some of the Companies we represent:

  • Unicare 
  • Today's Options/Pyramid Life 
  • United Health Care
  • Aetna
  • Humana


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