What Are Medicare Advantage Plans?
Medicare Advantage Plans — also called Part C — are an all-in-one alternative to Original Medicare. These plans are offered by private insurance companies and bundle together Medicare Part A (hospital), Part B (medical), and often Part D (prescription drug coverage) into a single plan.
They may also include extra benefits like vision, dental, hearing, fitness memberships, or transportation — depending on the plan provider.
We help clients in Naperville, Wheaton, Lisle, and surrounding areas make sense of Medicare Advantage options so you can choose a plan that’s both practical and affordable.
Our Approach to Medicare Advantage Plans
Choosing a Medicare Advantage Plan isn’t just about comparing premiums — it’s about finding a plan that fits your doctors, prescriptions, and overall lifestyle.
We help you:
- Compare plan types (HMO, PPO, etc.)
- Understand provider networks and out-of-pocket limits
- Identify plans that include your current doctors and specialists
- Evaluate built-in extras that may offer added value
Because we’re independent, we aren’t tied to just one provider — our only goal is to help you make the best decision for your personal situation.
Benefits of Medicare Advantage Plans
All-in-One Coverage
One plan for hospital, medical, and often prescription drug needs.
Low or $0 Premium Options
Many plans come with low monthly premiums (though other costs may apply).
Extra Benefits
Some plans include services like dental, vision, hearing, telehealth, and more.
Annual Maximum Out-of-Pocket Limits
Helps protect you from unexpected high medical costs — something Original Medicare doesn’t offer.
We walk through the fine print with you, so you can feel confident about what your plan covers — and what it doesn’t.
Medicare Advantage FAQs
Can I keep my doctor with a Medicare Advantage Plan?
It depends on the plan.
Some Medicare Advantage Plans have provider networks (like HMOs or PPOs). We’ll help you check whether your doctors are in-network before you enroll.
Do Medicare Advantage Plans include prescription coverage?
Most do — but not all.
We’ll show you which plans bundle in Part D coverage so you won’t need a separate drug plan.
What’s the difference between Medicare Advantage & Medicare Supplement Plans?
Medicare Advantage Plans replace Original Medicare and may have networks and copays. Medicare Supplement Plans work alongside Original Medicare to cover gaps.
We’ll help you compare both options to decide which makes the most sense for you.
Are Medicare Advantage Plans really free?
Some plans offer $0 premiums, but you’ll still be responsible for things like copays, deductibles, and the standard Medicare Part B premium.
We help you understand total costs — not just what looks good on paper.
How do I switch to a Medicare Advantage Plan?
You can enroll during certain periods:
- Initial Enrollment (when you’re first eligible)
- Annual Enrollment Period (Oct 15 – Dec 7)
- Medicare Advantage Open Enrollment (Jan 1 – Mar 31)
We’ll help you time your switch and make the process smooth.