The Benefits of Having a Medicare Advantage Plan

Approximately one out of every three people eligible for Medicare choose to enroll in a Medicare Advantage plan, and for good reason.1

Here are seven of the many benefits you may find by joining a Medicare Advantage plan.

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1. Many plans offer additional coverage

Medicare Advantage plans offer all the same basic benefits offered by Original Medicare (Part A and Part B).

But they may not stop there. Many Medicare Advantage plans may also offer additional benefits that are not covered by Medicare Part A or Part B, such as prescription drug coverage, dental, vision, hearing and more.

Starting in 2019, some Medicare Advantage plans may offer even more additional benefits, such as transportation to doctor’s offices and grab bars for home bathrooms. Stay tuned to see which benefits could be added.

2. Some plans may offer $0 premiums

Some Medicare Advantage plans offer $0 premiums, which means it costs you nothing to belong to the plan and benefit from the additional coverage.

Even with a $0 premium Medicare Advantage plan, you will have to pay your Part B premium and (if you are required to do so) your Part A premium.

3. All Medicare Advantage plans feature out-of-pocket spending limits

With Original Medicare, there is no annual limit to how much out-of-pocket health care spending you may have to pay. That means you could potentially face an infinite amount of medical expenses in any given year.

Medicare Advantage plans, however, are required to include an annual out-of-pocket spending limit that caps the amount of money you will be forced to spend in a calendar year. Once you reach that limit, the plan will pay 100% of your expenses for the remainder of the year.

In 2018, all Medicare Advantage plans are required to have an out-of-pocket limit of no more than $6,700.

4. Plans can offer coverage under one plan

Medicare Advantage plans offer all of the hospital and medical care benefits covered by Original Medicare, and many plans can offer coverage for health, dental and prescription drug coverage, all in one plan.

This type of coverage can make it easier for many beneficiaries to get the level of care they want, no matter what their specific health insurance coverage needs may be.

5. Plans can offer coordinated care

Members of an HMO Medicare Advantage plan will utilize a primary care physician who can coordinate their care and make referrals to specialists on their behalf.

Some beneficiaries may prefer this team-oriented approach to their care, especially as it encourages preventive care and screenings.

6. Plans can offer customized care

Because some of the benefits offered by Medicare Advantage plans can differ from one plan to the next, beneficiaries can have the flexibility to find a plan that offers the kind of coverage that best fits their health care needs.

Medicare beneficiaries with more serious health issues may qualify for a Medicare Advantage Special Needs Plan.   

7. There are multiple Medicare Advantage plan types and options

Medicare Advantage plans come in many forms, including HMO’s, PPO’s and more. Beneficiaries have some freedom to enroll in a plan that works best for their tastes.

There are also a number of different Medicare Advantage plan providers beneficiaries can consider, which can include:

Learn more about the benefits of Medicare Advantage

Contact a licensed agent at  TTY Users: 711 to learn more about the benefits of Medicare Advantage plans how you may benefit from one of the plans available in your area.

Copyright 2019 TZ Insurance Solutions LLC. All rights reserved.

*$0 premium plans may not be available in all areas.

1 Kaiser Family Foundation. Medicare Advantage 2017 Spotlight: Enrollment Market Update. (Jun. 6, 2017). Retrieved from is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC and TruBridge, Inc. represent Medicare Advantage Organizations and Prescription Drug Plans having Medicare contracts; enrollment in any plan depends upon contract renewal.

Plan availability varies by region and state. For a complete list of available plans, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult

Medicare has neither reviewed nor endorsed this information.