Find affordable or $0 premium Medicare Advantage plans
Hello! I’m Lisa, I will be your personal concierge to help you find and compare Medicare carriers in your area.
Where are you located?
We know finding the right Medicare plan can be challenging and time consuming that’s why we did all the work for you, so you don’t have to.
- Understand your options
- See the cost and savings
- Aware of the changes in Medicare
- Ensure preferred doctor is in-network
- Figuring out the enrollment process and deadlines
We are partnering with some of the major Medicare carriers in the field with great benefit and cost saving plans.
What is Medicare Advantage?
Medicare Advantage is a plan from a private company that offers an alternative to
Original Medicare (Parts A and B) for your health and drug coverage.
Plans may have lower out-of-pocket costs than Original Medicare and may offer some extra benefits that Original Medicare doesn’t cover—like vision, hearing, and dental services.
Pro tip: Medicare plans can change annually, including alterations to coverage, costs, and participating providers. Speak with a licensed insurance agent to get the most updated benefits.
When can I enroll in Medicare?
Initial Enrollment Period (IEP)
When you first become eligible for Medicare, you can join a plan. The period begins 3 months before you turn 65, includes your birthday month, and ends 3 months after (total 7 months).
Oct 15 - Dec 7
Oct 15 - Dec 7
Annual Enrollment Period (AEP)
From October 15 – December 7 each year, you can join, switch, or drop a plan. Your coverage will begin on January 1 (as long as the plan gets your request by December 7).
Jan 1 - Mar 31
Jan 1 - Mar 31
General Enrollment Period (GEP)
You can sign up between January 1-March 31 each year. This is the time when you can join Original Medicare Parts A and B for the first time if you didn’t sign up for Medicare when you were first eligible during your Initial Enrollment Period (IEP).
Pro tip: Figuring out the enrollment process and deadlines can be confusing. Speak with a licensed insurance agent to understand when you are eligible to enroll, what documents are required, and how to complete the application.
Keep your favorite doctors
Some Medicare plans have network restrictions that limit access to specific doctors, hospitals, or medications.
Find Medicare plans in your doctor’s network
How to choose a Medicare Advantage plan
Before choosing a Medicare Advantage plan, the first thing you should consider are your
health needs. Another major determinant is whether you prefer to see doctors/specialists
in- or out-of-network. With that comes out-of-pocket costs. Typically, in-network will be
cheaper, especially if your plan doesn’t cover out-of-network office visits.
When choosing a plan, ask yourself these questions: Can I continue to see my current doctor? What is the monthly cost? Does it cover prescription drugs? Does it suit my lifestyle/healthcare needs?
Types of Medicare Advantage plans:
Health Maintenance Organization (HMO) Plans
In HMO Plans, you generally must get your care and services from doctors, other health care providers, and hospitals in the plan’s network.
Preferred Provider Organization (PPO)
PPO Plans have network doctors, other health care providers, and hospitals. You pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network.
Private Fee-for-Service (PFFS) Plans
A type of Medicare Advantage plan. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care.
Special Needs Plans (SNP)
Medicare SNPs limit membership to people with specific diseases or characteristics. Medicare SNPs tailor their benefits, provider choices, and drug formularies to best meet the specific needs of the groups they serve.