Medicare Advantage Plans (Part C)

Medicare Advantage Insurance Plans

Medicare Advantage plans may work better for you than signing up for the various parts of original Medicare. Advantage plans are offered by private companies and roll Parts A, B & D into one. They also can provide vision & dental coverage, so you may find it easier to use, and depending on the plan, less costly.

Medicare Advantage plans roll parts A, B & D into a single plan, with a single card:

Part A
(hospital insurance)

Part B
(medical insurance)

Part D
(prescription drugs)

** Individuals enrolled in Advantage plans aren’t eligible for Medicare supplement plans.

Advantage plans generally require you to stay within their network of doctors and hospitals to control costs. Your choice of plans will depend on where you live; some places have 20 or more plans available, others have only one or two.

The total cost (accounting for co-pays and deductibles) to covered individuals is often less than that borne by individuals covered by Medicare Parts A & B. Half of Medicare Advantage Prescription Drug Plan enrollees pay no premium beyond the Part B premium.

Individuals enrolled in a Medicare Advantage plan are responsible for paying their Part B premium in addition to their Medicare Advantage premium.

There are a variety of Medicare Advantage plans that eligible individuals can select from. Options include:

Preferred Provider Organizations (PPO)
Health Maintenance Organizations (HMO)
Medicare Medical Savings Account Plans (MSA)
Private Fee-for-Service Plans (PFFS)
Special Needs Plans (SNP)

Humana Advantage Plans

All Medicare Advantage plans are required by law to provide at least all of the benefits of Original Medicare Parts A & B.

Humana offers much more.

Medicare Advantage insurance plans Humana

Many Humana plans include coverage for routine dental, vision & hearing care, with a $0 monthly premium in most areas.

$0 Plan Premium with
$50 Part B Premium Give Back

When selecting a Medicare Advantage plan, there are several factors to be aware of:

  • Out of pocket costs to the individual (deductibles, premiums, co-pays).
  • The providers available under the plan (including whether your current health care provider is in-network).
  • The consequences of seeing an out-of-network provider.
  • Whether a referral is required to see a specialist.
  • Prescription drug coverage, including co-pays associated drugs you’re already taking.
  • Any additional benefits that may be offered, (i.e. wellness programs).

Advantage plans generally include coverage for:

Hospital Stays & Emergency Transportation
Telehealth Visits
Preventive Care & Specialist Visits
Lab Work, X-Rays, Screenings & Imaging
Outpatient Care & Procedures
Medical Supplies & Equipment

Looking for more information on Medicare Part C / Advantage Plans?

Read our other blog posts below:

Medicare Advantage Plans Long Island
  • Humana Gold Plus Medicare Advantage Plan
    The Humana Gold Plus Medicare Advantage plan has a wide range of coverage for Long Island seniors. Humana has contracted with Medicare to provide you with services that aren’t covered by Medicare Parts A & B. With Gold Plus HMO Plans, your out-of-pocket costs are reduced and more predictable than with the majority of other plans. You may enroll in a Humana Gold Plus Medicare…
  • Humana Gold Plus (HMO)
    Humana Gold Plus is a Medicare Advantage health maintenance organization (HMO) plan with a wide range of coverage for Long Island seniors. They offer all-in-one Medicare plans such as the Humana Gold Plus (HMO) plan, which includes: $0 Plan Premium with $50 Part B Premium Giveback HMO MAPD Plan with lean benefits. Humana HMO plans cover all the benefits of Original Medicare & more, including:…
  • Turning 65? Pick Medicare benefits with an agent you can trust
    Medicare Supplement plans, Medicare Advantage plans, Part D plans, formularies, Medigap policies… These are just some health insurance choices facing Medicare-eligible individuals. This array of options is only complicated further by various coverage designs of individual insurers, each complete with individualized provider networks & drug formularies. We know this can seem overwhelming.. MedicareSolutionsLongIsland.com has a number of articles designed to help you understand the various…
  • Preferred Provider Organizations (PPO)
    Preferred Provider Organizations (PPO) are one type of Medicare Advantage plan that allows you to choose your own health care providers. Each PPO has a network of doctors, hospitals, and other health care providers called “preferred providers.” Members typically pay less if they use a preferred provider because the plan has already negotiated set rates with its preferred providers. However, you are not tied to…
  • Health Maintenance Organizations (HMOs)
    Health Maintenance Organizations, otherwise known as HMOs, are one type of Medicare Advantage plan. HMOs are typically the most affordable type of plan available. HMO offers the lower premiums, co-pays and co-insurance than PPO plans. However, HMOs are less flexible than some other options. HMOs have a set network of hospitals, doctors, and other health care providers. The HMO has a set payment level for…
  • Medicare, Coronavirus Testing & Telehealth
    Like many aspects of American life, the Coronavirus has caused significant changes to Medicare and Medicare benefits. Key among those are expanded access to telehealth services in order to allow beneficiaries to continue to access healthcare while sheltering in place, expanded access to Coronavirus testing, and the relaxation of some rules around cost sharing. Coronavirus Testing The Centers for Medicare and Medicaid Services (CMS) now…
  • What Medicare Covers When It Comes to Coronavirus
    Testing, telehealth and future vaccines for Coronavirus are included, CMS chief says. As the number of COVID-19 cases continues to climb in the U.S., Medicare is increasing access to testing and treatment for older adults, who health experts say are most at risk for severe illness caused by the coronavirus. In an AARP Coronavirus Information Tele-Town Hall event on March 10, Seema Verma, administrator of…
  • Medicare Advantage
    (Medicare Part C) Every year, 20 million Americans sign up for Medicare Advantage plans, also known as Part C. In fact, 34% of all Medicare recipients were enrolled in an Advantage plan in 2018. That year, most individuals covered by Advantage plans had access to benefits not covered by Original Medicare. What are the benefits that convince millions of people to opt for Advantage plans…

Peter Devine: A Medicare Insurance Agent You Can Reach.

WITH PETER, YOU’LL NEVER SPEAK TO A ROBOT, TRY TO NAVIGATE THROUGH A COMPLICATED PHONE TREE, OR SIT ON HOLD WHILE BEING TRANSFERRED BETWEEN VARIOUS PEOPLE TO GET ASSISTANCE.

Healthcare isn’t a one-size-fits-all.

Peter looks at every facet of your life and works with you to create a path to health that fits your unique needs.

Using his Medicare expertise, Peter helps you find the right plan for your financial & health situation. He’ll listen to your personal situation, including your budget, health conditions, healthcare needs, and prescribed drugs, and use that information to navigate you to the plan that best fits your personal needs.

For more information on Medicare insurance enrollment & plan options for Long Island, New York residents, contact Peter Devine today.