medicare

Advantage

Plan

What Is A Medicare Advantage Plan?

Medicare Part C, also known as Medicare Advantage Plan, is an all-in-one health insurance solution designed to simplify and enhance your healthcare experience. Combining the benefits of Medicare Part A (hospital insurance) and Medicare Part B (medical insurance), this type of Medicare plan includes other coverage, such as prescription drug coverage, dental care, vision care, hearing care, and fitness programs.

Qualifying for a Medicare Advantage plan requires enrollment in Medicare Part A and Part B. Applicants must also reside within the service area of the specific plan they aim to enroll in. We at RVP Insurance offer professional guidance to help you streamline the enrollment process, as well as customize a Medicare Advantage plan tailored to your specific needs. Whether you are applying for a new HMO plan or seeking to update your existing Special Needs plan, you can count on our Medicare insurance agents to always prioritize your well-being, peace of mind, and financial stability above anything else.

Types of Medicare Advantage Plans

Medicare Advantage plans are classified into different types, each uniquely designed to cater to your healthcare requirements and preferences. Let our skilled and experienced health insurance agents assist you in selecting and accomplishing the requirements for any Medicare Part C type.

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  • Health Maintenance Organization (HMO) Plans

    This popular type of Medicare Advantage plan provides coverage through a network of healthcare providers. Enrollees select a primary care physician (PCP) to coordinate care and refer to specialists when necessary. Beneficiaries generally receive care from in-network providers, except during emergencies or urgent care.

  • Preferred Provider Organization (PPO) Plans

    PPO plans offer more flexibility in choosing healthcare providers than HMO plans, but may have significantly higher premiums. Members can see any healthcare provider they prefer, with lower out-of-pocket costs for in-network providers.

  • Private Fee-for-Service (PFFS) Plans

    Beneficiaries with PFFS plans can see any healthcare provider who accepts the plan's payment terms and conditions. These plans determine payment amounts for providers and plan members, which can differ from traditional Medicare reimbursement rates.

  • Special Needs Plans (SNPs)

    SNPs cater to individuals with specific health conditions or circumstances. They tailor benefits, provider networks, and drug formularies to best serve their target populations' needs. The three main SNP types include Chronic-Condition Special Needs Plans (C-SNPs) for chronic or disabling conditions, Institutional Special Needs Plans (I-SNPs) for long-term care facility residents, and Dual-Eligible Special Needs Plans (D-SNPs) for Medicare and Medicaid-eligible individuals.

  • Medical Savings Account (MSA) Plans

    MSA plans merge a high-deductible health plan with a medical savings account, offering a unique approach to healthcare expense management. A certain amount is deposited into the member's yearly MSA for qualified medical expenses before the deductible is met. The plan covers additional healthcare costs after reaching the deductible. MSA funds can be tax-free for Medicare-covered services and other qualified medical expenses. Unused funds roll over yearly, building up savings for future healthcare needs.

  • HMO Point-of-Service (HMOPOS)

    This is a variation of traditional HMO plans that provides more flexibility in seeking care from out-of-network providers. Members can see certain out-of-network providers for specific services at higher costs while requiring a primary care physician. Premiums, copayments, and coinsurance for HMOPOS plans can vary, which makes it important to review plan details thoroughly to ensure they meet healthcare needs and preferences.

Other Medicare Plans We Can Assist You With

Medicare Medical Insurance

Experience peace of mind with Medicare Part A, which covers hospital admissions, nursing facilities, and hospice care. This plan helps you address urgent medical needs when you need them the most.

Medicare Medical Insurance

Medicare Part B covers outpatient care essentials, such as doctor visits, exams, medical treatments, and medical supplies and devices, for patients over 65 years old or under, but with a certain qualified disability.

Medicare Prescription Drug Coverage

Discover the magic of Medicare Part D, the prescription drug coverage plan that controls your medication costs. You can trust private insurance companies to have your back with a tailored formulary to suit your needs.

Why Choose RVP Insurance?

We at RVP Insurance are a family-owned and operated business with over 30 years of experience in the health insurance industry. Our dedication to providing personalized Medicare insurance service and expert guidance sets us apart as we work tirelessly to connect you with the most flexible and cost-effective medical coverage in the market. By collaborating with top insurance providers, we are able to expertly guide you throughout the process and help you make informed decisions that will best benefit you and your loved ones. Do not miss out on the opportunity to work with health insurance professionals who truly care about your well-being. Call us today to schedule an initial consultation so we can get started.