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Medicare Insurance Brokers
303-809-2968
Marty Slaught
Licensed in most states
Medicare
Advantage Plans
Medicare Advantage Plans Explained
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Health insurance by private insurance companies which replaces Medicare coverage. Also called Part C.
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Several plans by each insurance company, with differences in coverage and out-of-pocket cost.
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Must enroll in Medicare Parts A, B & D and pay the premiums to be eligible for an Advantage Plan.
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Pay the premium for the Advantage Plan, but many plans have a $0 premium.
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Use doctors in the plan's network for the lowest cost (HMO) or use any doctor for higher cost (PPO).
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Emergencies covered worldwide.
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$0 premium for many plans. We'll explain how this is possible.
Coverage & Out-of-Pocket Cost of Advantage Plans
Coverage and your out-of-pocket cost varies by plan and medical service.
Doctors, Hospital, Surgery, Lab Test, Therapy, Equipment and Others:
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$0 copays for certain services. Copays for some services.
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No deductible for many plans. A few plans have a small deductible.
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No coinsurance for most services. Coinsurance up to 20% for some services.
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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.
Prescription Drugs:
Many Advantage Plans include prescription drug coverage. Also called Part D.
$0 copayment for many generic drugs. Copayment for brand drugs.
Extra Benefits & Services:
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.
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Vision exams & glasses/contacts at $0 deductible & copay, with max annual benefit.
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Hearing exams at $0 deductible & copay & hearing aids with a copay.
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Free athletic club membership.
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Free healthy food gift card with certain plans.
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Free transportation to certain locations.
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Free health products.
Reminders:
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There are several Advantage Plans from each insurance company.
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Some doctors, drugs and medical centers may not be in every Advantage Plan.
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You need an Advantage Plan with your doctors, drugs and medical centers.
Call to learn more and to enroll in an Advantage Plan that's right for you.
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