Our Medicare Insurance Agents and the Medicare Advantage
Proper insurance coverage in your later years of life is essential for your well-being and peace of mind. While standard Medicare/Medigap programs combined with your original Medicare, there are some facets of healthcare left out of these plans such as prescription medication coverage. Our team at Good and Associates Insurance Services covers the basics of Medicare Advantage, the second Medicare option offered as an alternative to Medigap, to help you decide if it’s an appropriate option for you.
What Is Medicare Advantage?
When you enroll in Medicare Advantage, you’re placing your Medicare benefits into the hands of an insurance company or health plan with the benefit of having all of your healthcare needs will be built into one plan. Examples of common Medicare Advantage plans that we are appointed with are:
- SCAN Classic and Classic II
- Anthem Blue Cross MediBlue Select
- Aetna Select
- Health Net Gold Select
- Blue Shield 65 Plus
- Intervalley Health Plan
- United Health Care/AARP
The primary advantages of Medicare Advantage plans are the inclusion of Part D coverage, which covers prescription medication, low or zero premiums, and zero-dollar doctor charges. Not all of these benefits are included in all plans, but these are the most common reasons that people opt for Medicare Advantage and if any of these benefits seem appealing to you, our team can help you find the plan that can provide your with the coverage that you desire.
Although Medicare Advantage offers many benefits, the biggest downside of these plans is the fact that you are restricted to your initial care through your primary care physician, one primary care hospital, and the specialists that you see must belong to the medical group of your PCP. Ultimately, these plans are for those that require stability rather than flexibility, so if you want the freedom to see multiple doctors without a referral, you might be better off letting us help you shop for a Medicare Supplement.
If you have a fixed income and desire a Rancho Cucamonga health insurance plan that includes a drug plan and extra benefits such as vision, dental, and fitness coverage, Medicare Advantage might be the right choice for you. For those looking to invest in a stable healthcare plan with less emphasis on flexibility, our insurance agents at Good and Associates Insurance Services can assist you enrolling in a Medicare Advantage plan that suits your needs. For further questions or concerns, give us a call at (800) 429-9900/909-613-0056.