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Medicare Advantage | Part C

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For some people, a Medicare Supplement does not fit their needs. It may be too expensive or they want more of a local coverage since they may not travel very much. A Medicare Advantage Prescription Drug Plan (MAPD) can fill this need.  

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Most MAPD plans are based on a $0.00 premium. You do not have to purchase a Prescription drug plan separately, most MAPD plans have a drug plan built in them. MAPD’s have a Maximum Out Of Pocket expense (MOOP). There maybe some small co-pays or co-insurance. Most companies have several plans to choose from. MAPD plans are subject to change annually. The Center for Medicare and Medicaid services (CMS) in Washington D.C. regulates these changes.

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Here are a few things to keep in mind when choosing a MAPD:

• HMO or PPO

• Family Doctor Co-pay

• Specialist Co-pay

• % of Co-insurance

• Amount of MOOP's

• Does my doctor accept this plan

• Which hospitals accept my plan

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MAPD's are becoming more popular every year with United Health, Humana, and Aetna offering the most choices in 2021.

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We are here to assist you in deciding if Medicare Advantage is the right choice for you.