Let’s Walk Through Medicare Advantage

older man choosing health insurance

Updated 10/8/16

Medicare Part C is also known as Medicare Advantage and is private insurance that takes over for Medicare.  It combines the functions of parts A and B as well as prescription drug coverage into one plan.  If a person elects Part C Advantage, they are opting to use this instead of Original Medicare.

This is different from a supplement plan because those do what you might expect – they supplement Medicare.  The key difference is that Advantage plans take over for Medicare.  They come in the form of HMO’s, PPO’s and Private Fee for Service.

When you join a Medicare Advantage program, you are still enrolled in Original Medicare and are eligible to receive many of the benefits offered. The main difference is that you can add more benefits such as hearing, dental, and vision while also including coverage for prescription drugs. In many cases, you will have to see certain doctors or visit a specific hospital as these plans often have a network.

In many situations, these plans may save you additional money due to lower out-of-pocket costs. To understand pricing, you’ll want to compare all plans offered by providers in your area. Costs can change based on the types of services you will need and the plan you select.

Does this all sound too confusing? We understand! You’ll want to contact our licensed insurance agents that are standing by to help you select the plan that works best for you. We offer the highest level of customer service and will walk you through the process step-by-step to ensure that you find what you are looking for when it comes to healthcare and retirement planning services.

Your Recommended Agent is Greg from BGA Insurance Group

greg gudis

Greg Gudis – Licensed agent ready to assist you during the enrollment period in 2016. Please fill out the form below to send your information to Greg so that he can contact you with the best advice and plan information for your current situation. He can also provide expert advice on retirement planning, life insurance, and long-term care.

If you are looking for Philadelphia Medicare Advantage plans, this is the perfect place to start.

home button

  • This field is for validation purposes and should be left unchanged.

This is a solicitation of insurance. By providing this information, you agree that an authorized representative or licensed insurance agent/producer may contact you by phone, e-mail, or mail to answer your questions or provide additional information about Medicare Advantage, Part D or Medicare Supplement Insurance plans.

We offer more than 7 Medicare plans in Philadelphia, which becomes part of Philadelphia County, Pennsylvania. Medicare providers that use Medicare Benefit and Medicare supplement strategies in Philadelphia include Humana and Aetna. Enter your POSTAL CODE above to compare the details of the Medicare prepares available in Philadelphia.

Medicare is funded by the federal government for those who are 65 years and older. Medicare consists of Part A, or health center insurance, and Part B, or medical insurance. Medicare Part C is a Medicare Advantage Strategy which integrates Part A and Part B and in some cases Part D. Medicare Part C is managed by insurer which are Medicare-approved. These strategies cover the necessary medical services, and have co-payments, coinsurance, and deductibles which differ. Medicare Part D offers help in covering prescription drugs and can avoid high expenses in the future. Like Medicare Part C, the coverage depends upon the strategy.

To find out more on Pennsylvania State Medicare, visit our Pennsylvania Medicare page
Humana offers Philadelphia homeowners a range of HumanaChoice PPO strategies. The workplace visit deductibles range from $10-$ 35, and the deductibles for hospital outpatient check outs vary from $100-$ 200 depending on the type of plan the beneficiary picks.
For more details on Humana Medicare, visit our Humana Medicare page
Such strategies are Medicare Supplement, Medicare Worth Plan, Medicare Standard Strategy and Medicare Premier Strategy. Some strategies that Aetna provides to Philadelphia homeowners are Medicare Value Strategy HMO, Medicare Standard and Premier Strategy PPO, and Medicare Supplement.

Plans that Aetna uses for Philadelphia locals are Plan F Medicare Supplement which has a regular monthly premium of $156, Medicare Premier HMO, Medicare Basic HMO and Medicare Standard HMO whose monthly premiums range from $0 (Basic) – $118 (Premier). Drug store is covered under the Premier and Requirement Strategy while it is not covered under the Standard Plan and Aetna Strategy F Supplement.
Medicare Benefit plans cover the very same kind of services that Original Medicare does not cover. Medicare Supplement plans assist those who are paying out-of-pocket costs that Original Medicare does not cover. The Medicare supplement strategies might give the beneficiary the choice to go to any medical professional or medical facility.

To learn more on Aetna Medicare, visit our Aetna Medicare page.

Key locations to think about when choosing the proper Medicare strategy run out pocket costs, whether the strategy allows the recipient to select in network or from network physicians, health center costs, co-insurance, the amount of competent nursing and in-home recovery protection the plan provides, in addition to facility co-insurance. PPO strategies provide the liberty to select out-of-network medical professionals and specialists while for the most parts HMO strategies do not. The copay or deductible might be higher if the recipient chooses an out-of-network doctor under a PPO strategy.