Fort Worth Medicare Advantage

Medicare Advantage Plans: Your Guide to Understanding Your Options

Medicare Advantage plans, also known as Medicare Part C, are a popular choice for seniors seeking comprehensive health coverage. These plans combine the benefits of Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) with additional coverage, like prescription drugs, vision, hearing, and dental.

What are the benefits of Medicare Advantage plans?

• One plan for all your needs: Simplify your healthcare by having one plan for all your medical and prescription drug coverage.
• Predictable costs: Most plans offer copays and deductibles, with a cap on out-of-pocket expenses.
• Additional benefits: Many plans offer extras like dental, vision, hearing, and wellness programs.
• Network of providers: Choose from a network of doctors, hospitals, and other healthcare providers.

What are the types of Medicare Advantage plans?

• Health Maintenance Organization (HMO): You must see doctors and hospitals within the plan’s network, except for emergencies.
• Preferred Provider Organization (PPO): You pay less if you use in-network providers but can still see out-of-network providers for a higher cost.
• Private Fee-for-Service (PFFS): You can see any doctor or hospital that accepts the plan’s payment terms.
• Special Needs Plans (SNPs): These plans are designed for specific groups of people with certain chronic conditions or living situations.
• HMO Point-of-Service (HMOPOS): You can get some services out-of-network for a higher copayment or coinsurance.

How do I enroll in a Medicare Advantage plan?

• You must be eligible for both Medicare Part A and Part B.
• You must live in the plan’s service area.
• You must enroll during the annual Open Enrollment Period (October 15 – December 7) or during a Special Enrollment Period if you qualify.

How can Ashford Insurance help?

Our licensed and bonded professionals in Fort Worth can help you:

• Compare different Medicare Advantage plans based on your needs and budget.
• Understand the benefits and costs of each plan.
• Enroll in the plan that’s right for you.
• Answer any questions you have about Medicare Advantage.

Don’t let Medicare confusion overwhelm you. Contact Ashford Insurance today at 817-952-3153 to get a free quote and find the best Medicare Advantage plan to meet your needs.