Advantage Plans

Medicare Advantage plans provide a combination of benefits which include Part A and Part B coverage as well as prescription drug coverage and often additional care for dental, vision, and hearing. Private, Medicare-approved, insurance companies offer these plans which often have networks of providers.

Each plan will have different associated costs, explained in its explanation of benefits (EOB). People eligible for Medicare Advantage plans are 65 or older, enrolled in Part A and Part B, and living within the plan’s coverage region.

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In limited counties, there are Medicare Private Fee-for-Service (PFFS) plans. These plans may or may not include Part D. How you access care is also different: you can receive treatment from any providers who agree to treat you and accept your plan’s payment terms. While this plan type was very common in the past, it has been slowly phased out in most areas. It is still in many rural areas.

Special Needs Plans (SNPs) are a type of Medicare Advantage plan made specifically to cater to the needs of its members. Membership is restricted to people who meet certain conditions. There are three types of SNP: Chronic Condition (C-SNP), Institutional (I-SNP), and Dual Eligible (D-SNP). Each has qualifying criteria as guided and approved by the Centers for Medicare and Medicaid Services. These plans are required to have prescription drug plans, and many have networks of specialists who specialize in treating the conditions of its members.

If you live in Illinois, Missouri, or Iowa, give us a call today at 217-740-4166. We can help you find a Medicare Advantage Plan in your area that you qualify for.