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Medicare Benefits Solutions
Sep 9, 2021
Got a Medicare Advantage plan (also known as Part C) and looking to switch to another? Before you use a Medicare Advantage comparison service, it’s worth understanding a little more about Medicare Advantage – what it is, the different types of plans, and when you can enroll in or switch your plan. Knowing these things can help you compare Medicare Advantage plans with more confidence.
Medicare Advantage is an alternative to Original Medicare for anyone 65 or older, or people under 65 who qualify due to disabilities. It offers the same basic healthcare coverage and benefits as Original Medicare – the parts typically referred to as Part A and Part B. Part C plans will usually offer extra benefits in addition to those covered under Original Medicare, such as prescription drug coverage (known as Part D), gym membership, and routine hearing, vision and dental care.
Medicare Advantage plans are offered by private health insurance companies, and there are certain times of the year when you can enroll in or switch your plan. It’s possible you’ll want to do a Medicare Advantage plan comparison before you decide whether or not to switch, so you can compare Medicare Advantage plans on key factors such as cost, maximum out-of-pocket limits, copays, deductibles, additional benefits and more.
A key difference between Original Medicare and Medicare Advantage is that with Part C plans, you may be required to use a defined network of doctors, hospitals and other healthcare providers. It could mean paying more to see a physician or visit a facility outside of your plan’s network. With Original Medicare, you can see any physician that is enrolled in Medicare and is accepting new Medicare patients.
Before you begin any Medicare Advantage comparison, it’s useful to know about the different types of Part C plans available.
What if your circumstances change outside of AEP? You may be eligible for what’s known as a Special Enrollment Period (SEP). A change in living arrangements, like moving to a location outside of your current plan’s network, for example, might mean you’ll have the opportunity to enroll in a new Medicare Advantage plan under the rules of an SEP. You could be entering or leaving long-term care – or you may no longer be covered by Medicaid or other federally subsidized healthcare provision.
As well as making changes or switching plans during AEP and SEP, you’re allowed to make a change to your existing Medicare Advantage plan (or switch to an entirely new one) just once between January 1st and March 31st each year.
Get your Medicare Advantage plan comparison off to the right start by using our online plan finder and comparison tool. It recommends plans that may include the additional benefits or improvements you’re after, without losing the good things you already have. By focusing on these little details, we may find you plans that make a big difference.
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Compare your current Medicare plan to our recommendations – then choose the plan that gives you more of the things you want.