Medicare Advantage replaces Original Medicare.

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Medicare Advantage insurance provides expanded coverage for things like hospital visits and prescription drugs. For many seniors, this is a preferred option over Original Medicare for its added coverage.

Medicare Advantage plans are administered through insurance companies. You can use our service to get in touch with a licensed insurance agent, who can help you enroll.

What is Medicare Advantage?

Original Medicare was designed to make sure Americans who over the age of 65 have access to affordable insurance. Medicare Advantage programs offer expanded coverage to these plans.

Medicare Advantage

Medicare Advantage replaces Original Medicare. This program provides expanded coverage for things like hospital visits and even prescription drugs. It’s a great option if you want expanded coverage but still has some limitations.

Additional Benefits

Prescription drug benefits are the most popular benefits. A Medicare Advantage plan will often offer dental, vision and hearing coverage. These plans have low monthly premiums, and allow for emergency services outside of your service area.

Limitations

Different from Original Medicare, Medicare Advantage plans include copays and coinsurance costs, and higher deductibles than Medicare Supplement Insurance plans. While you can receive care when traveling, these plans only cover emergency visits.
FAQ

Medicare Advantage FAQ

Have questions about Medicare Advantage? Read through our Frequently Asked Questions below!

Applying for Medicare Advantage is different than Original Medicare coverage. Typically, a consumer can buy an Medicare Advantage policy within one of three enrollment periods. For Medicare Advantage Open Enrollment Periods, you will need to already be enrolled in Medicare Advantage to change your plan. In 2020, these enrollment periods are:

Annual Enrollment Period is 10/15 – 12/7
General Enrollment Period is 1/1 - 3/31
Medicare Advantage Open Enrollment Period is 1/1 – 3/31

Personal circumstance will determine when you can enroll in or make changes to a Medicare plan.
While Medicare Advantage products do provide roaming coverage, it’s typically for emergency services, only. If you travel extensively - either domestically or internationally - you might want to look into a Medicare Supplement Insurance policy. If you’re not sure, we would suggest having a conversation with a licensed insurance agent who can help you figure out what’s right for you.
Ultimately, the best thing you can do is educate yourself and rely on a licensed insurance agent to help you understand what’s right for your particular scenario. That’s actually why we built CoverageCoach - for an overview, please visit our comparison table. When you’re ready to really dig in, we would suggest you get a quote and speak with a licensed insurance agent.
Medicare was designed to provide affordable health insurance to every American over the age of 65. Medicare Advantage replaces that original coverage with a more robust plan. Medicare Supplement insurance offers the most flexible and comprehensive coverage available.
To the first question: maybe. Medicare Advantage plans are more limited than Medicare Supplement Insurance plans, so you’ll have to check to see if your doctor is on the plan you’re looking at. We would recommend you talking through this with a licensed insurance agent - they can help with this.

The answer to your second question is yes - Medicare Advantage plans do require a referral from the primary care physician. Medicare Supplement Insurance plans offer more flexibility in this area.
Yes! Most Medicare Advantage programs do cover prescription drugs. You may still have a copay, but you’ll pay less than you would with Original Medicare coverage.

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