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Ashford Insurance

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Ashford Insurance is an Independent Marketing Organization working with United HealthCare Medicare Solutions.

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Medicare Advantage Plans Grand Prairie

Ashford Insurance

Medicare Insurance Made Easy

Medicare Advantage Plans Grand Prairie

Medicare Advantage is a type of Medicare health plan offered by private companies that contract with the federal government. These plans combine Parts A and B of Medicare, and they may also include Part D (prescription drug coverage).

Benefits of Medicare Advantage plans:

  • Lower out-of-pocket costs: Medicare Advantage plans typically have lower out-of-pocket costs than Original Medicare. This is because they have set copays, coinsurance, and deductibles for covered services.
  • Extra benefits: Medicare Advantage plans may offer extra benefits that are not available under Original Medicare, such as dental, vision, hearing, and fitness coverage.
  • More choices of doctors and hospitals: Medicare Advantage plans typically have a wider network of doctors and hospitals than Original Medicare. This means that you may have more choices when it comes to where you receive care.
  • Managed care plans: Some Medicare Advantage plans are managed care plans. This means that they coordinate your care with your primary care doctor. This can help to ensure that you are receiving the right care at the right time.

Eligibility for Medicare Advantage plans in Grand Prairie:

To be eligible for a Medicare Advantage plan, you must:

  • Be enrolled in both Parts A and B of Medicare
  • Live in the service area of the plan you want to join

Enrollment in Medicare Advantage plans:

If you are eligible for a Medicare Advantage plan, you can choose to enroll in one during your Initial Enrollment Period (IEP). The IEP is the seven-month period that begins three months before you turn 65 and ends three months after your 65th birthday.

You can also choose to enroll in a Medicare Advantage plan during the Medicare Advantage Open Enrollment Period (OEP). The OEP is from January 1 to March 31 each year.

Costs of Medicare Advantage plans:

If you choose to enroll in a Medicare Advantage plan, you will need to pay a monthly premium. The premium you pay will vary depending on the plan you choose and your location. You may also have to pay a deductible, copays, and coinsurance for some services.

Coverage of Medicare Advantage plans:

Medicare Advantage plans must cover all of the same essential health benefits that are covered by Original Medicare. However, they may have different rules about how you get care. For example, some Medicare Advantage plans require you to get referrals from your primary care doctor before you see a specialist.

Choosing a Medicare Advantage plan:

If you are considering enrolling in a Medicare Advantage plan, it is important to compare different plans to find one that best meets your needs and budget. You can use the Medicare Plan Finder tool on Medicare.gov to compare plans in your area.

Additional tips for choosing a Medicare Advantage plan:

  • Consider your health needs and make sure the plan you choose covers the services you need.
  • Compare premiums, deductibles, copays, and coinsurance to find a plan that fits your budget.
  • Read the plan’s coverage carefully to understand what is and is not covered.
  • Ask questions if you have any concerns about a particular plan.
  • Talk to a Medicare-licensed insurance agent or counselor if you are still unsure about which Medicare Advantage plan is right for you.