Medicare Advantage Plans (Part C)
Busy Bee Has You Covered For Medicare Advantage Plans (Part C)
[Celebrating your 65th birthday or Medicare eligible and moving to a new ZIP code?] For those who are eligible for Original Medicare, selecting a Medicare Advantage Plan (Part C) can offer a number of advantages, making it a very appealing choice. All of Original Medicare’s benefits (Parts A and B) are provided by Medicare Advantage plans, which may also offer additional benefits that Original Medicare does not. These plans may have reduced out-of-pocket expenses with predetermined copayments and maximum out-of-pocket caps. Medicare Advantage plans may also provide a coordinated care experience, with networks of providers collaborating for treatment. Medicare Advantage plans can be a desirable option because it may offer coordinated care, plan premium savings, and expanded coverage through additional benefits.
Types of Medicare
There are few different types of Medicare to consider
At BusyBee Cover, we partner with a network of highly-rated insurance carriers, giving you access to a diverse range of options that fit your needs and budget. Our licensed insurance agent partners guide you through the entire process, from comparing plans to enrollment, providing clear, advice and support every step of the way.
We prioritize your confidence in coverage by ensuring you have coverage that protects you from unexpected medical expenses while also offering Medicare Advantage plans with additional plan benefits. Trust BusyBee Cover to deliver a Medicare Advantage plan experience that prioritizes your well-being and financial security.
At BusyBee Cover our partnerships with popular insurance carriers allow us to present you with a variety of coverage options, ensuring you get the best protection for you. Choose BusyBee Cover for a customer-centric Medicare Advantage plan experience.
A Medicare Advantage plan (Part C) is an alternative coverage to Original Medicare that is offered by private insurance companies approved by the Centers for Medicare & Medicaid Services. It provides all Part A (hospital insurance) and Part B (medical insurance) benefits and often includes additional plan benefits.
Medicare Advantage plans may offer additional plan benefits not covered by Original Medicare. They may also include prescription drug coverage (Part D).
If you are enrolled in Medicare Part A and Medicare Part B, you may be able to join a Medicare Advantage plan, depending on the time of year and enrollment period available. You must live in the plan’s service area and continue paying your Part B premium.
Yes, most Medicare Advantage plans have networks of doctors, hospitals, and other healthcare providers. You may need to use providers within the network to get the lowest costs. Some plans, like HMOs, require referrals to see specialists, while PPOs offer more flexibility to see out-of-network providers at a higher cost.
Many Medicare Advantage plans provide additional plan benefits not covered by Original Medicare. Talk to a licensed insurance agent to learn what additional benefits may be available by plan in your service area..
Yes, you can switch to a Medicare Advantage plan during specific enrollment periods, such as the Annual Enrollment Period (October 15 to December 7) or if you are already enrolled during the Medicare Advantage Open Enrollment Period (January 1 to March 31). Outside of these designated periods, enrollment in a plan may be limited unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.
Costs for Medicare Advantage plans vary by plan and service location. You must continue to pay your Medicare Part B premium, and some Medicare Advantage plans have an additional monthly premium. Plans also have different cost-sharing requirements like copayments, coinsurance, and deductibles.
Many Medicare Advantage plans include prescription drug coverage (Part D). These plans are known as Medicare Advantage Prescription Drug plans (MA-PDs) and provide the convenience of combining medical and drug coverage under a single plan.
Some Medicare Advantage plans, especially HMOs, may have limited coverage outside their service area. However, PPO and PFFS plans might offer more flexibility. It’s important to check the plan’s rules about travel and out-of-area coverage if you frequently travel or live in different locations throughout the year.
Medicare Advantage plans provide coverage, often including additional benefits and prescription drug coverage, and have network restrictions. Medicare Supplement insurance (Medigap), works with Original Medicare to cover out-of-pocket costs like copayments, coinsurance, and deductibles but does not include additional benefits or prescription drug coverage. Medigap plans do not have networks, allowing for greater provider flexibility.
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Medicare Advantage Plans (Part C)*
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[Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.]
Participating sales agencies represent Medicare Advantage [HMO, PPO, SNP, and PFFS] organizations [and stand-alone PDP prescription drug plan] that are contracted with Medicare. Enrollment depends on the plan’s contract renewal with Medicare.
We do not offer every plan available in your area. Currently we represent [X] organizations which offer [XXX] 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.
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