Medicare Complete Plans

What if you’d prefer to get your Medicare benefits from a private insurer? Medicare Advantage plans offers the benefits of Original Medicare, plus others in many cases, including coverage for prescription drugs, dental and vision care. Refer to the complete guide below.

In the U.S., Medicare is a major player in our health care system. In fact, as of October 2018, more than 59 million people were enrolled in the Medicare program.*

An increasing number of Americans have sought an alternative to Original Medicare. Medicare Advantage plans represent more than 34 percent of the overall Medicare market.**

What are these private plans, and how do they work?

Couple smiling and lying in a park

Medicare Advantage: A complete overview

Under Original Medicare (Part A and Part B), you receive coverage directly from the federal government.

Medicare Advantage plans offer a private-market alternative. With Medicare Advantage, you can receive your Part A and Part B benefits through a private insurer. By law you are guaranteed the benefits offered under Original Medicare.

Other things to consider:

  • Medicare Advantage may offer benefits not covered by Original Medicare
  • These benefits can include coverage for prescription drugs, dental work and vision care, among other services
  • The average Medicare Advantage premium (for a Medicare Advantage plan with prescription drug coverage) will be $40 in 2019.
  • Medicare Advantage can come with an out-of-pocket limit, covering all health expenses after you’ve spent a certain amount in a year.

As you shop for a plan, consider this:

  • You must enroll in Original Medicare before signing up for Medicare Advantage
  • Cost sharing, including coinsurance, copayments and deductibles, will likely vary by plan
  • You can make changes to coverage during the annual open enrollment period, which is October 17 - December 7
  • You must live in the plan’s service area in order to get coverage

To learn more about your options, you can also speak with a licensed insurance agent at TTY Users: 711.

Copyright © 2018 TZ Insurance Solutions LLC. All rights reserved.

*CMS, “Medicare Enrollment Dashboard.” Published 2018. https://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/Dashboard/Medicare-Enrollment/Enrollment%20Dashboard.html.

**Kaiser Family Foundation, “https://www.kff.org/medicare/issue-brief/medicare-advantage-2019-spotlight-first-look/.” Published Oct. 16, 2018. https://www.kff.org/medicare/issue-brief/medicare-advantage-2019-spotlight-first-look.

MedicareAdvantage.com 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 www.medicare.gov.

Medicare has neither reviewed nor endorsed this information.