Medicare Advantage

What are Medicare Advantage Plans?

Medicare Advantage Plans (Medicare Part C) are comprehensive health plans offered by private companies in partnership with Medicare. They provide all-in-one coverage that combines Original Medicare (Part A and Part B) with additional benefits such as prescription drug coverage, vision, dental, and wellness programs.

Plan types include:

  • Health Maintenance Organizations (HMOs)

  • Preferred Provider Organizations (PPOs)

  • Private Fee-for-Service Plans (PFFS)

  • Special Needs Plans (SNPs)

  • Medicare Medical Savings Account Plans (MSAs)

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How Do Medicare Advantage Plans Work?

When you enroll in a Medicare Advantage Plan, all your Medicare services are covered through the plan itself, eliminating the need for separate payments under Original Medicare. These plans offer streamlined coverage, often including Part D prescription drug coverage for added convenience, but unlike Original Medicare, they may require you to use networks of doctors and hospitals for the lowest costs. 

Despite this, Medicare Advantage Plans often provide extra benefits not covered by Original Medicare, making them a popular choice for those seeking comprehensive healthcare coverage.

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Benefits of Medicare Advantage Plans

Medicare Advantage Plans provide comprehensive, cost-effective coverage with several key benefits:

  • Cost Savings: Low premiums and out-of-pocket maximums offer predictable costs and financial protection.

  • Network Flexibility: Access a broad network of healthcare providers, with potential savings when using in-network services.

  • Additional Services: Enjoy extra benefits like wellness programs, fitness memberships, preventive care, vision, dental, and hearing coverage.

These features make Medicare Advantage Plans a popular, affordable alternative to Original Medicare.

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Dual Special Needs Plans (D-SNP)

Dual Special Needs Plans (D-SNPs) are specially designed Medicare Advantage Plans for individuals who qualify for both Medicare and Medicaid. These plans offer additional benefits and support that go beyond what Original Medicare provides, including:

• Prescription Drug Coverage

• Vision, Dental, and Hearing Services

• Wellness Programs and Fitness Memberships

• Coordinated Care Services

D-SNPs are a great choice for those who qualify for Medicare and Medicaid. They help ensure comprehensive coverage while minimizing out-of-pocket expenses. At Sanson Financial Insurance, we’re here to guide you through your options and find the plan that fits your unique needs.

Medicare Savings Program (MSP)

The Medicare Savings Program (MSP) is a valuable resource for those who need help covering their Medicare Part B premiums and other Medicare-related expenses. Through the MSP, you may qualify for programs that:

• Help pay for Medicare Part B premiums

• Provide Extra Help for prescription drug costs

• Reduce out-of-pocket expenses for doctor visits and other services

When combined with a Dual Special Needs Plan, the Medicare Savings Program can provide substantial financial relief, ensuring you get the coverage and support you deserve.

Chris did an amazing job assisting me with my Medicare plans! He was super precise, quick, and so helpful. I really appreciated his support!
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Tina D.

The Sanson insurance company has been my broker for approximately 3-4 years and I have excellent service from them. They have always kept my medical insurance current and they will come to your home if need to. Whenever I contact them, they are available to communicate right away.
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Sun Elias

Sanson Insurance is top of the shelf in what they do. Our past and present experiences with them have been amazing. The Ferrer’s are extremely knowledgeable, professional and care about the people they assist on a day to day basis. I highly recommend their services without reservations.
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Nelson Figueroa