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The Medicare Coverage You Deserve
MedicareAdvantageUSA:
Helping You Close the
Medicare Coverage Gap

Original Medicare (Parts A & B) or the program provided by the United States government, has given countless Americans access to health care. Unfortunately, many find Original Medicare’s coverage too limited for their individual insurance needs.

Original Medicare includes little to no coverage for prescription medications, long-term care, dental, or vision. It may not even completely pay for covered services. All of these shortfalls in coverage can cause you to have to pay out-of-pocket for deductibles, copayments, and coinsurance. These costs can really add up, especially if you regularly visit your doctor, take prescription medications, require specialized outpatient procedures, or are hospitalized for an extended period.

The good news is that the government has allowed private insurance carriers to offer Medicare Advantage Plans (Part C) and Prescription Drug Plans (Part D). These plans may be a great way to get more benefits, for less. Medicare Advantage and Part D Plans may also provide financial protection from medical fees, considering Original Medicare does not have a maximum limit or cap on out-of-pocket costs.

MedicareAdvantageUSA.com has access to many of the nation’s trusted carriers and their top plans, allowing you to quickly and easily compare your Medicare options and find the right plan for you. Enter your zip code now

At A Glance
About Medicare Advantage
  • Medicare Advantage
  • Medicare Part D
  • Enrollment
  • What are Medicare Advantage Plans?

    Medicare Advantage Plans — also known as Part C Plans – are offered through private insurance carriers, and can be a great way to get additional health coverage. Depending on your medical needs, these plans can help you significantly lower your out-of-pocket health care costs.

    By law, all Medicare Advantage Plans include your Original Medicare benefits. What this means is you get your Parts A & B benefits, and may receive additional benefits, all in one convenient plan. Some Medicare Advantage plans include prescription drug coverage, dental, vision, wellness programs, and more.

  • Do I Need a Medicare Advantage Plan?

    Only you can decide how much medical coverage you need. That said, and generally speaking, those who only have Original Medicare risk unaffordable out-of- pocket costs — especially when faced with an extended hospitalization or if they require frequent outpatient medical care.

    For instance, as of 2021, unless beneficiaries have drug coverage from another source that is at least as good as standard Part D coverage (“creditable coverage”), they face a penalty equal to 1% of the national average premium for each month they delay enrollment.

    Out-of-pocket costs can add up when visiting the doctor or for outpatient care too. Though Original Medicare Part B pays 80% of outpatient costs, you must pay for the remaining 20% on your own. Again, since there is no maximum out-of-pocket limit, that 20% can really add up, especially for those with chronic or major illnesses. Fortunately, Medicare Advantage Plans protect you financially by capping your out-of-pocket costs with a maximum limit each year.

  • How Much Does it Cost?

    Some plans with $0 premiums may even include prescription drug coverage — known as Medicare Advantage Prescription Drug Plans. Deductibles, or the amount you must pay before the plan’s coinsurance kicks-in, also start around $0 per year. The maximum out-of-pocket limit starts around a couple of thousand dollars per calendar year. However, premiums, deductibles, and maximum out-of-pocket limits do vary by plan to plan, and depending on where you live.

  • Who is Eligible?

    You are eligible for a Medicare Advantage Plan if (1) you currently have Original Medicare, and (2) if a plan is available in your area.

    To be eligible for Original Medicare, generally speaking, you must be 65 years or older and have paid federal taxes for at least 10 working years. Those under 65 years old are eligible for Original Medicare if they have a qualifying disability.

  • What are Medicare Part D Plans?

    Medicare Part D Plans are offered by private insurance carriers to provide those with Original Medicare additional prescription drug benefits. Original Medicare only includes drug coverage when hospitalized. Medicare Part D Plans provide coverage at the pharmacy or for outpatient care — significantly lowering the amount you pay for prescription medication.

    Medicare Part D Plans can be purchased separately or they may be included in some Medicare Advantage Plan. When purchased separately, they are known as Standalone Prescription Drug Plans (SPDPs). These types of plans are for those who have Original Medicare, or have Original Medicare with MediGap. When purchased as part of a Medicare Advantage Plan, they are known as Medicare Advantage Prescription Drug Plans (MAPDPs).

  • Do I Need a Medicare Part D Plan?

    If you currently take, or anticipate taking, prescription medication, especially on a regular basis, it is highly recommended you purchase a Medicare Part D Plan. Only you know how much insurance coverage you need, but consider that prescription medication tends to be expensive.

    For instance, depending on one’s medical needs, medication for cholesterol, high blood pressure, or diabetes can each cost a few hundred dollars or more per month. Together, that could add up to over $10,000 per year. And since such medication is taken on an outpatient basis, Original Medicare will not help you with these costs.

    Even if you do not think you need a Part D Plan and decide to get one at a later time, you could face a penalty for going without coverage. The Medicare Part D penalty is 1% of the average premium for every month the consumer went without creditable drug coverage when first eligible for Medicare. That is why it is recommended to enroll in a Medicare Part D plan as soon as possible.

  • How Much Does it Cost?

    Monthly premiums for Medicare Part D Plans can vary depending on the plan you choose and where you live. Premiums for Standalone Prescription Drug Plans (SPDPs) can also vary by the type of plan or where you live.

  • Who is Eligible?

    You may be eligible for a Standalone Prescription Drug Plans (SPDPs) if you already have Part A and/or Part B. Keep in mind that SPDPs can only be purchased in addition to Part A and/or Part B as well as MediGap coverage. SPDPs cannot be combined with Medicare Advantage Plans.

    To be eligible for Original Medicare, generally speaking, you must be 65 years or older and have paid federal taxes for at least 10 working years. Those under 65 years old are eligible for Original Medicare if they have a qualifying disability.

  • When Can I Enroll in a Medicare Advantage or Part D Plan?

    Medicare Advantage and Part D Plans share three Enrollment Periods: (1) Initial Enrollment, (2) Open Enrollment, and (2) Special Enrollment.

    First is the Initial Enrollment Period, which is the 7 months around the time you turn 65 years old. It begins three months before your birthday, continues the month of your birthday, and ends three months after your birthday.

    The annual Open Enrollment Period can be another chance to sign up for those who missed Initial Enrollment or would like to change coverage. It begins on October 15 and ends on December 7.

    The Special Enrollment Period is available for those who missed the other two enrollment periods. To qualify for Special Enrollment, you must have recently experienced special circumstances. These include changing where you live, losing your current coverage, being offered other coverage (such as employer-based coverage), your current plan losing its contract with Medicare, and various other special situations.

  • How Can I Enroll in a Medicare Advantage or Part D Plan?

    You can enroll in a Medicare Advantage or Part D Plan directly through a carrier or insurance broker. MedicareAdvantageUSA.com has access to many of the top providers and their options online. We make it easy to quickly compare your options so that you can enroll in the best plan for your needs.

    Keep in mind that you must be enrolled in Part A and/or Part B to qualify for a Part D Plan. Only those enrolled in both Part A and Part B are eligible for a Medicare Advantage Plan. If you paid federal taxes for at least 10 working years, and are 65 years or older, you may be eligible to receive a government Medicare card for Original Medicare in the mail. If you are under 65 and on disability, you may also be eligible to receive a government Medicare card for Original Medicare. If you are not certain, please visit Medicare.gov to learn more.

  • What if I Have Questions About my Medicare Advantage or Part D Enrollment Eligibility?

    If you are not sure about your enrollment eligibility, you can enter your zip code and begin the application process.

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MedicareAdvantageUSA.com is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at medicareadvantageusa.com/licenses.html.

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

Third Party Material (TPMO) (Medicare.gov): We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on MedicareAdvantageUSA.com are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.

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