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Medicare
Advantage Plans
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Medicare Advantage Plans Explained 

  • Provided by health insurance companies, which replaces Original Medicare coverage with an all-inclusive managed health plan. Called Part C.

  • Several plans by each insurance company, with slight differences in out-of-pocket cost and extra benefits.

  • Must also be enrolled in Original Medicare and pay the premium to be eligible for an Advantage Plan.

  • Pay the premium for the Advantage Plan, but many plans have a $0 premium

  • Use doctors in the plan's network for the lowest cost (HMO) or use any doctor for higher cost (PPO). 

  • Emergencies covered worldwide.

  • $0 premium for many plans. We'll explain how this is possible.

Coverage & Out-of-Pocket Costs with Advantage Plans

Coverage and your out-of-pocket cost varies by plan and medical service.

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Doctors, Hospital, Surgery, Lab Test, Therapy, Equipment and Others:

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  • $0 copays for certain services. Copays for some services.

  • No deductible for many plans. A few plans have a small deductible.

  • No coinsurance for most services. Coinsurance up to 20% for some services.

  • Maximum out-of-pocket limit as low as $2,900/year in Colorado and $800/year in California.

 

The maximum out-of-pocket limit

protects you from the high cost of

major surgery and disease treatment.

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Prescription Drugs:

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Many Advantage Plans include prescription drug coverage. Called Part D.

 

$0 copayment for many generic drugs. Copayment for brand drugs.  

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Extra Benefits & Services:

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Many Advantage Plans include these extra benefits & services at no additional premium:

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  • Dental care at $0 deductible & copay for many services, with max annual benefit.

  • Vision exams & glasses/contacts at $0 deductible & copay, with max annual benefit.

  • Hearing exams at $0 deductible & copay & hearing aids with a copay.

  • Free athletic club membership.

  • Free healthy food gift card with certain plans.

  • Free transportation to certain locations.

  • Free health products.​

Reminders:

  • There are several Advantage Plans from each insurance company.

  • Some doctors, drugs and medical centers may not be covered by some Advantage Plans.

  • You need an Advantage Plan that covers your doctors, drugs and medical centers.​

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Call us to learn more and to enroll in an Advantage Plan that's right for you.

marty.slaught@partners-medicare.com

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partners-medicare.com

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6551 S. Revere Parkway, Suite 290

Centennial, CO 80111

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The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/broker/producer. Martin Slaught, Partners in Medicare, LLC and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer health insurance plans from a number of insurance companies. Martin Slaught is a licensed insurance broker in the State of Colorado. 

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The Centers for Medicare and Medicaid Services (CMS), an agency of the United States government, has neither reviewed nor endorsed this information.

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© 2025 by Partners in Medicare, LLC

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