Medicare Advantage Plans

What are Medicare Advantage Plans?

Medicare Advantage Plans are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include:

• Medicare Health Maintenance Organization (HMOs)
• Preferred Provider Organizations (PPO)
• Private Fee-for-Service Plans
• Medicare Special Needs Plans

When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care. In most of these plans, generally there are extra benefits and lower copayments than in the Original Medicare Plan. However, you may have to see doctors that belong to the plan or go to certain hospitals to get services.

To join a Medicare Advantage Plan, you must have Medicare Part A and Part B. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you might have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer.

Medicare has four parts:

• Medicare Part A is the original Medicare insurance coverage and it helps pay for hospital bills.
• Medicare Part B is a supplemental insurance option for people who qualify for Medicare.
• Medicare Part C or, Medicare Advantage Plans (like HMOs and PPOs) are sometimes referred to as Medicare Part C.
• Medicare Part D is the newest addition to Medicare. Part D is prescription drug coverage. You must be enrolled in Medicare before you can apply for Part D coverage.

SecureHorizons® continues to bring you the same great health plans, but now many of those plans come with the added assurance of the AARP® name. SecureHorizons® offers plans that provide all of the benefits covered under Original Medicare and more. These plans have no limitations for pre-existing conditions for enrollment, and they do not require a physical exam. Depending on where you live, you may have several health plans to choose from, including:

San Diego Plans

Evercare is one of the nation's largest health care coordination programs for people who have long-term or advanced illness, are older or have disabilities. Founded in 1987, Evercare today serves 300,000 people nationwide through Medicare Advantage, Medicaid and private-pay health plans, programs and services – from health plans for people in community and skilled nursing settings, to caregiver support and hospice care. Evercare offerings are designed to enhance the health and independence of its members and help provide peace of mind to family caregivers. In the complex world of health care, Evercare makes getting care easier.

Blue Shield offers both Medicare Supplement Plans and stand-alone Medicare Prescription Drug Plans to enhance Original Medicare coverage. They also offer Medicare Advantage-Prescription Drug Plans which include everything Original Medicare covers, Medicare Part D coverage and additional benefits not covered by Medicare.

We broker many top rated companies. We can shop around and get you the best deal. We offer all types of life insurance, including very inexpensive term life insurance.