Medicare Advantage Overview

Medicare advantage plans offer coverage through a private insurance company.  This company offers your primary coverage so it is imperative that you confirm that your doctors are on their network.  Usually you will have a primary care physician assigned to you.  To visit a specialist you will need to confirm that the specialist is on the network and then get a referral from your primary care physician.

When you visit the doctor normally there will be a copay required at the time of service.  Most plans have set copays for visits to the doctor or other procedures that you may need. 

Medicare advantage plans are county specific.  If you move to a different county (or state) you may have to enroll in a different plan.  When this happens you will have a special election period to change plans and will not have to wait until the open enrollment period which occurs from October 15th through December 7th.

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