Medicare Advantage
Medicare Advantage (Part C) replaces Original Medicare with a private insurance plan. It bundles Parts A and B (and usually D), with extras like dental, vision, hearing, and a fitness benefit.
The Pros and Cons of Medicare Advantage
Advantage works well for some seniors and not for others. Here's an honest look.
Pros
- Often $0 or very low monthly premium
- All-in-one: Parts A + B + usually Part D
- Extras: dental, vision, hearing, gym, OTC card, transportation
- Annual out-of-pocket maximum caps your risk
- Good for healthy seniors with predictable, low-cost care
- Simplicity: one card, one company, one bill
Cons
- Network restrictions — must use plan's doctors and hospitals
- Requires referrals and prior authorization for specialists
- Copays add up significantly with heavy usage
- Plans can change every year (benefits, drugs, networks)
- Switching back to a Supplement may require health underwriting
- Coordinating care across multiple providers can be harder
What We Factor In When Choosing YOUR Plan
We don't just hand you a brochure. Here's what we actually compare.
Your Doctors
We verify your current physicians are in-network before you enroll. If they're out of network, we tell you up front.
Your Prescriptions
We match your drug list to each plan formulary so you minimize your annual cost.
Dental, Vision & Hearing
We compare DVH benefits across all plans available in your zip code.
Chronic Conditions
Special Needs Plans (SNPs) may cover you better if you have a qualifying condition.
Medicaid or Veterans Benefits
We coordinate existing benefits so you don't lose what you already have.
Total Out-of-Pocket
We find the plan with the lowest total annual cost for your situation.
Review your Advantage plan EVERY year
Benefits, copays, and networks change every year. Carriers can terminate plans. Drug formularies shift. Your doctor may leave the network. We do an annual fall review for every client — no extra cost, just part of the lifetime support.
Not sure which plan is right for you?
Book a free 45-minute call with a licensed Medicare specialist. We'll walk through your situation, compare plans side-by-side, and help you choose — with zero pressure.
Book a Free Consultation →