Medicare Advantage Plans, sometimes called “Part C" or "MA Plans," are offered by private insurance companies paid by Medicare to cover your Medicare benefits. Typically the plans combine hospital, medical and sometimes prescription benefits. Some even offer basic ancillary services like dental and eye exams, wellness programs as well as fitness club memberships. We represent all the major carriers and offer free consultations to ascertain what program best serves your needs.
While there are many plans with a zero premium, you must enroll in Part B with the associated cost. In the past, these plans were sold on the merits of their medical and prescription coverage, but the emphasis has shifted to all advertising promoting the "advantages" added on to the plans instead of the plans themselves. These plans have dental, eye and over the counter benefits along with fitness memberships. Beware that there are networks of both doctors and facilities as well as copays associated with these offerings. Prescription drug costs are NOT included in the maximum out pocket costs under these plans, so , remember to do your due diligence or call Healthcare Help and we will do it for you.
Medicare recipients under the age of 65 living in Ohio may find the Medicare Advantage Plan more advantageous than Original Medicare with the prescription drug plan as it limits the costs of healthcare to a maximum out of pocket cost. Call Healthcare Help to shop for your benefit.
Health Maintenance Organization (HMO) Plans
Health Maintenance Organization (HMO) Plans are generally the most restrictive in network for doctors, health care providers or hospitals with the exception of an emergency situation. Many also require a referral from a primary care doctor for tests or to see a specialist.
Preferred Provider Organization (PPO) Plans
Preferred Provider Organization (PPO) Plans offer a larger network of doctors, hospitals and network providers but also offers less cost sharing for benefits within the network than outside.
Private Fee For Service (PFFS) Plans
Private Fee For Service (PFFS) Plans are similar to Original Medicare because you can be serviced by any doctor, healthcare provider or hospital as long as they accept the plans payment terms.
Special Needs Plans (SNP)
Special Needs Plans (SNP) provide specialized healthcare for specific groups of people with certain chronic medical conditions, have both Medicare and Medicaid, and live in a nursing home. Many of the private insurance companies offer more benefits than traditional Medicaid.
For more information and free consultation: