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You may have decided you want a Medicare Advantage plan because you like the security of having a plan with an out of pocket maximum or you are seeking extra benefits. The availability of Medicare Advantage plans varies from area to area but you may have five or more to choose from in your zip code. Here’s some things to consider as you compare Medicare Advantage plans.
Medicare Advantage costs are set by each private insurance company that offers the plan. Three costs to consider include: premiums, copayments/coinsurance, and deductibles. You also should consider the out of pocket maximum as you compare Medicare Advantage plans.
Premiums: this is the amount you pay monthly to have the plan. Some Medicare Advantage plans may have premiums as low as $0.
Copayments/coinsurance: this is the amount you pay whenever you receive care. A visit to a specialist might cost you $35, for example. Picking up a generic prescription drug might cost you $15.
Deductible: this is the amount you pay before your plan begins to pay. A Medicare Advantage plan may have separate medical and prescription drug deductibles.
Out of pocket maximum: All Medicare Advantage plans have out of pocket maximums. This is the maximum amount you pay before your plan pays all covered medical expenses. The amount of the out of pocket maximum can vary from plan to plan. If you predict that you will have a lot of medical expenses, you might want to choose the plan with the lowest out of pocket maximum.
Medicare Advantage plans usually offer extra benefits that Original Medical typically doesn’t cover. These benefits could include:
As you compare Medicare Advantage plans, look at the different copayments for each of these services. For example, one plan may cover hearing aids at $700 twice per year and another may only pay $1,000 every three years. Some plans may only cover hearing aids in the same way as Original Medicare, which is generally not at all.
Most Medicare Advantage plans have networks of preferred providers. Some Medicare Advantage plan types include:
Health Maintenance Organization (HMO)
Preferred Provider Organization (PPO)
Private Fee-For-Service (PFFS)
Special Needs Plans (SNPs)
Still have questions about comparing Medicare Advantage plans? You can call eHealth to speak with a licensed insurance agent. If you’d like to explore the various Medicare coverage options in your area, use the Browse Plans button on this page.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.