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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. Not to mention, such out-of-pocket costs have risen by over 25% since 2011*.

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). Over 17 million Americans are already enrolled in a Medicare Advantage Plan, and over 40 million in Part D**. These plans have proven to be a great way to get more benefits, for less. Medicare Advantage and Part D Plans also provide financial protection from medical fees, considering Original Medicare does not have a maximum limit or cap on out-of-pocket costs.

Medicare Advantage Plans can even be purchased for monthly premiums as low as $0/month††, and some MAPD plans already include prescription drug coverage.

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 , or call us at (844) 335-1658 to speak with a licensed sales agent who can answer all of your questions and get you enrolled in a Medicare Advantage Plan today!

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, plus additional health insurance, all in one convenient plan. You can even add more benefits, including 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 2020, 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. This is because after 60 days, Original Medicare Part A requires you pay a daily coinsurance fee of $329. And that daily rate doubles after 90 days — with no maximum out-of-pocket limit on your costs.

    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.

  • How Much Does it Cost?

    Monthly premiums for Medicare Advantage Plans are as low as $0††. Some plans with $0 premiums may even include prescription drug coverage — known as MAPD 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, (2) are not suffering from end-stage renal disease, and (3) 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 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 added on to your 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. As of 2019, the penalty is $35.63, times the number of months you did not have a plan. So, for example, if you did not have coverage for 24 months, you would have to pay a penalty of $855 for the year once you purchase a Part D Plan. 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. That said, Medicare Advantage Prescription Drug Plans (MAPDPs) start , or prescription drug coverage that comes with your Medicare Advantage Plan, start as low as $0/month††. Premiums for Standalone Prescription Drug Plans (SPDPs) can also vary by the type of plan or where you live. These types of plans can start from $12.20/month†††.

  • Who is Eligible?

    You are eligible for a Standalone Prescription Drug Plans (SPDPs) when you are eligible for Original Medicare. Keep in mind that SPDPs can only be purchased in addition to Original Medicare as well as MediGap coverage. SPDPs cannot be combined with Medicare Advantage Plans.

    To get prescription drug coverage with Medicare Advantage, you must enroll in a Medicare Advantage Prescription Drug Plan (MAPDP). You are eligible for MAPD if you are eligible for Original Medicare, and if this type of plan is available in your zip code.

    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 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.

    There are two additional enrollment periods for Medicare Advantage and Part D. The first is the 5-Star Enrollment Period. The 5-Star Enrollment Period is outside of Open Enrollment, beginning on December 8 and ending on November 30 each year. All Medicare Advantage Plans are given a star rating of 1-5 based on satisfaction surveys. If a 5-star plan is newly made available to you in your zip code, you qualify for enrollment.

    Last is the Medicare Advantage Disenrollment Period, which begins on January 1st and ends on February 14th. During this time, you can switch from a Medicare Advantage Plan back to only Original Medicare. During this time, you can also enroll in a Medicare Part D Plan, specifically a Standalone Prescription Drug Plan (SPDP).

  • 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 Original Medicare to qualify for a Medicare Advantage or Part D Plan. If you paid federal taxes for at least 10 working years, and are 65 years or older, you may automatically receive a government Medicare card in the mail. If you are under 65 and on disability, you may also automatically receive a government Medicare card. However, 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. You can also speak to a qualified enrollment agent who will help answer any questions you have by calling (844) 335-1658.

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MedicareAdvantageUSA.com is operated by QuoteLab LLC. MedicareAdvantageUSA.com is not affiliated or endorsed by the government or the federal Medicare program. Accordingly, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded.

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 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 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.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, formulary, pharmacy network, provider network, premium, copayments/co-insurance may change on January 1 of each year. You will receive notice when necessary.

† To request plan information without providing personal information, please call the phone number above.
†† $0 does not include your Original Medicare Part B premium of $134 per year as of 2017. According to the Kaiser Family Foundation, 81% had access to a $0 premium MAPD plan in 2017. Source: http://kff.org/report-section/medicare-advantage-plans-in-2017-issue-brief/
*Source: Kaiser Family Foundation: “http://kff.org/medicare/issue-brief/medicare-advantage-plans-in-2017-short-term-outlook-is-stable/
**Source: CMS "Fast Facts": https://www.cms.gov/fastfacts/
††† Source: Kaiser Family Foundation:http://kff.org/medicare/fact-sheet/the-medicare-prescription-drug-benefit-fact-sheet/