Medicare Advantage

Medicare Advantage Plans

Part C


Medicare Advantage also known as Part C are health insurance plans offered by private insurance companies that follow rules set by CMS. These plans are an alternate option to receive Medicare benefits. Medicare Advantage plans bundle coverage for hospital stays and medical services that may include lower out-of-pocket costs than Original Medicare. These plans often include additional benefits.  

With Medicare Advantage plans, you will use the plan's network of providers and pay copayments when you receive services. You may be eligible for Medicare Advantage plan benefits not included in original Medicare.  

If you decide to enroll in a Medicare Advantage plan, you still need to pay your Medicare Part B premium. You must also be enrolled in both Medicare Part A and Part B, and reside in the plan's service area. It is also important to note that Medicare Advantage plans are not Medicare Supplement plans. Explore further details about Medicare Advantage plans in the sections below.

Type of Medicare Advantage Plans


Health Maintenance Organizations Plans (HMO)

HMO plans restrict their coverage to healthcare providers within their network. HMOs have a list of in-network providers to select from, with out-pocket expenses if you receive care outside the network. You will have to choose a primary care physician from within their network and obtain referrals for specialists.

Private-Fee-For-Service Plans (PFFS)

(PFFS) plans allows you to keep or select any healthcare provider as long they accept the terms of your Medicare Advantage Plan. There is no obligation to designate a primary care physician or get a referral to see a specialist. However, (PFFS) plans determine the coverage amount for services and payment responsibility.

Preferred Provider Organization Plans (PPO)

(PPO) plans allow you to keep or select any healthcare provider who agrees to the terms outlined in your plan. There is no obligation to designate a primary care physician or get a referral to see a specialist. However, (PPO) plans determine the coverage amount for services and payment responsibility.

Special Needs Plans (SNP)

Medicare Special Needs Plans are available to individuals who have qualifying chronic health conditions and specific healthcare needs. Special Needs plans will cover all of the benefits under Original Medicare. The three types of Special Needs Plans available are Chronic Condition Special Needs Plans (C-SNP), Institutional Special Needs Plans (I-SNP), Dual Eligible Special Needs Plans (D-SNP). To qualify for a D-SNP, you must be eligible for Medicaid. You can apply for Medicaid online, by mail, or in person at a local Medicaid office.

Our Medicare Advantage Carriers

Need assistance? Contact us to speak to a Licensed Insurance Agent?

Seniority Insurance Group, LLC is a non-government entity, a health insurance agency. We do not offer every plan available in your area. Currently we represent 7 organizations which offer 40 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We represent Medicare Advantage [HMO, PPO, and PFFS] organizations and stand-alone PDP prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. Extra benefits require enrollment in an MA plan and depend on whether you are eligible to enroll in an MA plan in your area. Benefits are available only in select areas.

Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease.

The purpose of this communication is the solicitation of Insurance. Contact will be made by an insurance agent/producer of insurance company.

Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

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