Jonathan has tremendous expertise and knowledge about insurance plans and gives us great advice on how to pick a plan.We are very happy with the attention he gives us.
Great person!!!!
Medicare Advantage Plans (Part C)
More Than Medicare. More for You.
If you’re enrolled in Medicare Part A and B, a Medicare Advantage plan (also known as Part C Medicare) could offer you a more comprehensive option. Provided by Medicare-approved private insurance companies, these plans include everything covered under Original Medicare—plus valuable extras. Most Medicare Advantage plans also include prescription drug coverage, along with benefits like dental and vision, hearing, fitness memberships, transportation, and even over-the-counter allowances. With the right plan, you can enhance your healthcare while simplifying it—all in one convenient package designed to fit your needs and budget.
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Other Practice Areas at CoverCare Insurance Inc.
At CoverCare Insurance, we help you compare Medicare health plans from trusted carriers, so you can confidently choose the coverage that fits your lifestyle. Whether you want a plan with strong provider networks, specific medications, or generous Medicare fitness benefits, we make sure you understand your options. Many clients appreciate the convenience and potential savings that come with Medicare private insurance plans that combine medical, drug, and extra benefits in one. Let us help you find the right Medicare Advantage plan—one that’s not only approved by Medicare, but approved by you.
Medicare Advantage Plans (Part C)
You can talk about Medicare Advantage Plans (Part C) with the following specialists in any of our offices:
• Jonathan Lozano
• Yudy Lozano
Self-service
Quote. Compare. Enroll — On Your Own Time.
Explore health, Medicare, dental, vision, and life insurance options with easy self-service tools. Enroll online at your convenience, or reach out to us anytime for expert guidance.
Why Use Our Self-Service Tools?
- Instant quotes from top carriers
- 24/7 enrollment access — no waiting on hold
- Compare benefits, costs, and networks in one place
- Secure online applications
- Licensed agents available if you need guidance
Need Help Enrolling? We’re Here for You
Prefer a personal touch? Our licensed agents are always ready to answer questions, explain plan details, and guide you through the process step by step.
Related FAQs
What is a Medicare Advantage plan?
A Medicare Advantage (MA or Part C) plan is a private insurance alternative to Original Medicare that combines coverage for hospital (Part A), medical (Part B), and usually prescription drugs (Part D) into one bundled plan.
What are the enrollment periods for MA plans?
You can enroll during your Initial Enrollment Period (IEP), the Annual Enrollment Period (Oct 15–Dec 7), or a Special Enrollment Period (SEP) after a qualifying event. There’s also a Medicare Advantage Open Enrollment (Jan 1–Mar 31) for switching or dropping your MA plan.
Do MA plans include prescription drug coverage?
Yes, most Medicare Advantage plans are MA-PDs, including Part D drug coverage. About 88–99% of MA plans offer this benefit in 2025.
Are there out-of-pocket maximums?
Yes—unlike Original Medicare, MA plans have a hard max out-of-pocket limit for Part A/B services (e.g., hospital, medical). After reaching it, Medicare covers 100% of services.
Do MA plans pay my Part B premium?
Some plans offer a Part B “giveback”, reducing or covering your Part B premium—ranging from a few cents to the full amount.
Do MA plans cover dental, vision, and hearing care?
Yes—nearly all MA plans include dental, vision, and hearing benefits, often at no extra premium.
Can I keep my current doctor in my new Medicare Advantage plan?
MA plans use provider networks. You typically must stay in-network, unless it’s an HMO with out-of-network emergency coverage or a PPO with higher costs. Check your plan’s provider list.
Do I need referrals for specialists under my MA plan?
That depends on the plan: HMOs usually require referrals, while PPOs generally do not.
Are there prior authorizations or restrictions?
Yes—many plans use utilization management tools such as prior authorization, step therapy, and quantity limits. Ask your agent before enrolling.
Will I lose employer or retiree coverage if I enroll to MA?
Enrolling in MA typically ends your employer/union-based coverage. Talk to your benefits administrator before switching.
Can people with Medicare and Medicaid use MA?
Yes—Dual Eligible Special Needs Plans (D-SNPs) are designed for those with both Medicare and Medicaid and offer integrated benefits.
Do all MA plans have a premium?
No—about two-thirds of MA-PD plans have $0 additional premium beyond your Part B.
Are MA premiums rising or falling?
MA premiums and benefits generally remain stable year-over-year, with small benefit reductions in some areas in 2025.
How are MA networks determined?
MA plans typically use HMO or PPO networks. HMO plans restrict you to in-network providers; PPOs allow out-of-network access at higher cost.
Do MA benefits change each year?
Yes—plan details like premiums, networks, drug coverage, and extra perks may change annually. Review your plan’s Annual Notice of Change each fall.
Can I switch my MA plan mid-year?
Yes—in Medicare Advantage Open Enrollment (Jan 1–Mar 31), you can switch MA plans or drop to Original Medicare and add Part D.
What supplemental benefits are added in 2025?
New benefits include expanded behavioral health access, enhanced mental health coverage, and midyear alerts for unused supplemental benefits.
How is MA regulated?
MA plans must meet CMS requirements, provide at least Medicare-equivalent services, and pass on savings and quality incentives to enrollees.
What happens if my MA plan leaves my area?
If your MA plan is discontinued, you get a Special Enrollment Period to switch plans or revert to Original Medicare—typically lasting through late February.
Should I choose MA or Original Medicare?
Consider MA for bundled coverage, extra benefits, Part B givebacks, and max out-of-pocket protection. Original Medicare offers nationwide provider freedom and works with Medigap but lacks annual caps.
What is Extra Help (Low-Income Subsidy) in Medicare?
Medicare offers the Extra Help program for low-income individuals (under ~150% FPL), which may eliminate premiums/deductibles and waive late penalties, with year-round plan changes allowed.