Medicare Advantage Plans 2024

 

Medicare Advantage Plans, also known as Medicare Part C, are healthcare plans offered by private insurance companies approved by Medicare. These plans offer at least the same coverage as Original Medicare Part A and Medicare Part B, and some plans may include additional benefits as well.

With Medicare Advantage Plans, you have the freedom to choose a plan that suits your unique healthcare needs while enjoying the convenience of a single plan that may cover multiple services.

Although choosing a Medicare Advantage plan to fit your needs might seem confusing at first, we’re here to help make the process easier for you.

Here on our website, you can learn about Medicare Advantage plans, compare options in your area, and even enroll online.

 

Compare Medicare Advantage Plans in 2024

Whether you are new to Medicare, or you’re already enrolled in Medicare, it’s important to understand all the options available to you.

Our licensed insurance agents are here to help answer your questions and find a plan that fits your needs the best. 

Or, if you prefer to compare plans and enroll on your own, enter your zip code below to get started!

 


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Enrolling in a Medicare Advantage Plan

It’s important that you understand the different time periods that you can enroll in, or change, a Medicare Advantage plan. Your current situation dictates when you may enroll in, or change, a Medicare Advantage plan.

 

Medicare Initial Enrollment Period

For anyone new to Medicare, the easiest and most convenient time to enroll in a Medicare Advantage plan is during your Initial Enrollment Period (IEP).

This period begins three months prior to you turning age 65, includes your birth month, and lasts until three months after your birth month for a total of 7 months.

 

Enrolled in Medicare Already and Changing Plans?

For those who are already enrolled in Medicare and looking to change Medicare Advantage plans in 2024, or enroll in one for the first time, you may do so during the Medicare Annual Enrollment Period (AEP).

AEP runs from October 15th – December 7th each year.

During this period, you may:

 

      • Disenroll from your current Medicare Advantage plan and enroll in a different one


      • Disenroll from your current Medicare Advantage plan and return to Original Medicare 

    • Change your standalone Medicare Part D prescription drug plan

 

 

Medicare Annual Enrollment period 2024

 

 

What do Medicare Advantage Plans Cover?

Medicare Advantage plans are required to provide at least the same level of coverage as traditional Medicare Part A and Medicare Part B.

 

Medicare Part A – Hospital Coverage

Medicare Part B – Doctor’s services

 

Some Medicare Advantage plans may also include other benefits that are not covered by traditional Medicare. These plans and their benefits vary by which company offers the plan, as well as region.

 

To Qualify for a Medicare Advantage Plan, you must:

  • Be enrolled in both Medicare Part A and Medicare Part B
  • Reside in the same area that the Medicare Advantage plan you wish to enroll in provides coverage

 

Find & Compare Plans Online 


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Different Types of Medicare Advantage Plans

There are different types of Medicare Advantage plan categories.

Some common types of Medicare Advantage plans are:

  • Health Maintenance Organization (HMO)
  • Preferred Provider Organization (PPO)
  • Private-fee-for-service (PFFS)
  • Special Needs Plans (SNPs)

 

Our licensed insurance agents can help you find the right plan to fit your needs.

aetna Medicare Advantage HMO plans

HMOs (Health Maintenance Organizations)

HMO plans are an option that provides coverage in a particular network. With an HMO you choose a primary care physician (PCP) and must remain in the network to get coverage, unless in an emergency.

Some HMOs may include prescription drug coverage, however, if you enroll in an HMO that does not include prescription drug coverage, you may not enroll in a separate Medicare Part D prescription drug plan.

Aetna Medicare Advantage PPO plans 2024

PPOs (Preferred Provider Organizations)

PPO plans allow you to see doctors in and out of the network. 

Although you do not need to choose a primary care physician with a PPO, it’s important to see if your doctors accept the plan. Our licensed insurance agents can help you with this.

Medicare Prescription drug coverage may be included in some of the PPO plans, however, it’s important to see how each plan covers your own personal medications.

Medicare Advantage private fee for service

Private Fee-for-Service Plans (PFFS)

PFFS plans are unique in that the plan decides the amounts that it will pay doctors and providers. To get coverage doctors must agree to the terms of the plan.

Prescription drugs might be offered in a PFFS plan, however, if you find a plan you like that doesn’t offer prescription coverage you may enroll in a stand-alone Medicare Part D prescription drug plan. There is no need to choose a primary care doctor with a PFFS plan.

Medicare Advantage special needs plans (SNP)

Special Needs Plans (SNPs)

Special Needs Plans are tailored to people with specific diseases or situations. You must qualify to enroll in one of the SNPs.

You may qualify for one of these plans for conditions such as:

      • End-stage renal disease (ESRD) requiring dialysis, alcohol dependence, some autoimmune disorders, HIV/Aids, and more

How to Compare Medicare Advantage Plans in 2024

Medicare Cost

When comparing Medicare Advantage plans, there are several factors to consider. First, you’ll want to make sure that your preferred doctors and hospitals are included in the plan’s network. You’ll also want to compare the coverage of the plan to make sure it fits your needs properly.

It’s also important to review the plan’s drug formulary to ensure that your medications are covered.  


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Medicare Advantage Plans vs Original Medicare

Original Medicare (Part A and Part B) is a federal program that provides healthcare coverage to eligible individuals. Medicare Advantage is an alternative to traditional Medicare that is offered by private insurance companies.

One of the main differences between the two programs is that Medicare Advantage plans may offer additional benefits. This varies by plan.

Medicare Advantage plans also may have a network associated with the plan, while Original Medicare does not.

 

Pros and Cons of Medicare Advantage Plans vs Original Medicare

There are several pros and cons to enrolling in a Medicare Advantage plan. Some of the pros include:

 

      • Additional benefits: Medicare Advantage plans may offer additional benefits that are not covered by traditional Medicare 
      • Medicare Advantage Plans provide all of your Medicare Part A and Medicare Part B benefits

 

Some of the cons of Medicare Advantage may include:

 

      • Limited network: Medicare Advantage plans typically have a smaller network of providers than traditional Medicare, so you may not be able to see your preferred doctors and hospitals.


      • Plan restrictions: Medicare Advantage plans may have restrictions on which treatments and services are covered, meaning you may need to obtain prior authorization for certain services.


    • Plan changes: Medicare Advantage plans can change from year to year, so it’s wise to check coverage each year to make sure you’re in a plan that fits your needs.

How to Choose a Plan

There are many factors you should consider when choosing a Medicare Advantage plan.

When it comes to choosing a Medicare Advantage plan for 2024, it’s important to consider your specific healthcare needs. Here are some things you must consider:

Aetna network providers for 2024

Providers

Do my doctors accept the Medicare Advantage plan that I’m interested in enrolling in? 

What about any specialists you might see? Are your providers included in the plan’s network? 

Medicare Advantage prescription coverage in 2024

Prescription Drug Coverage

Does the Medicare Advantage plan that you’re interested in for 2024 include Medicare Part D prescription drug coverage?

Not all Medicare Advantage plans do. We can help find you a plan to fit your needs.

Telehealth visits

Additional Benefits

Are any additional benefits included in the Medicare Advantage plan that you’re interested in enrolling in?

While some Medicare Advantage plans may include additional benefits, these vary by insurance company, area, and the type of plan that you choose. 

Frequently Asked Questions

 

Medicare Advantage plans pros and cons

What are Medicare Advantage Plans?

Medicare Advantage Plans, also known as Part C, are alternatives to Original Medicare.

These plans are offered by private companies approved by Medicare and provide at least the same coverage as Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). Some Medicare Advantage plans may include Medicare Prescription Part D coverage as well. In addition, some plans may also include additional benefits as well.

 

 

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Are there new Medicare Advantage Plans being introduced in 2024?

Typically, new Medicare Advantage Plans may be introduced each year. Keep checking back on this website as you’ll be able to compare Medicare Advantage plans for 2024.

 

humana medicare advantage 2024

What are some popular companies offering Medicare Advantage Plans in 2024?

Some popular companies offering Medicare Advantage plans in 2024 are:  Humana, United Healthcare, Wellcare, Aetna, Cigna, & Blue Cross Blue Shield.

 

 

Aetna Medicare Advantage 2024

When will 2024 Medicare Advantage Plans be Available?

Medicare Advantage Plans for 2024 will be available to enroll in on October 15th of 2023.

 

 

United healthcare Medicare Advantage 2024

How do changes to Medicare Advantage Plans affect my current coverage?

Changes to Medicare Advantage Plans can affect various aspects of your coverage. It’s important to review your plan’s Annual Notice of Change to understand how any changes may affect you.

Call us today to speak to one of our licensed insurance agents for help.

 

 

What is Medicare Advantage

When will I be notified of changes to my Medicare Advantage Plan for 2024?

Medicare Advantage Plans are required to send an Annual Notice of Change to members each year before the Annual Enrollment Period, which starts on October 15.

This document outlines any changes that will take effect in January.

You can always compare Medicare Advantage plans using our website by entering your zip code above on this page.

 

 

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Can I change my Medicare Advantage Plan if I don’t like the changes for 2024?

Yes, you can change your Medicare Advantage Plan during the Annual Enrollment Period which runs from October 15 to December 7 each year. Any changes you make will take effect on January 1 of the following year.

 

 

compare Medicare Advantage plans

Will there be changes to the network of providers in Medicare Advantage Plans in 2024?

Changes to the network of providers can occur in Medicare Advantage Plans. It’s crucial to check your plan’s provider network each year to ensure your preferred doctors and hospitals are still participating.

 

 

best Medicare Advantage plans

Are there changes to prescription drug coverage in Medicare Advantage Plans for 2024?

Changes to the list of covered drugs, known as the formulary, can occur each year in Medicare Advantage Plans that include prescription drug coverage. Check your plan’s updated formulary to ensure your medications will still be covered in 2024 or call us for help.

 

 

Medicare Advantage plans for 2024

What should I do if I’m not happy with the changes to my Medicare Advantage Plan for 2024?

If you’re not satisfied with the changes to your Medicare Advantage Plan, you can switch to a different plan or return to Original Medicare during the Medicare Annual Enrollment Period.

 

 

How to Get Started

Finding the right Medicare Advantage plan to fit your needs may seem challenging. Our licensed insurance agents can help answer your questions and show you different options available in your area.

 

 

Call today for help