Medicare Advantage Plans Near Me - You have many options when considering which Medicare options are best for you. The information in this section gives you a basic overview of the plans available so you can make a more informed choice. However, one size does not fit all. Your history and concerns make choosing the right Medicare insurance plan personal to you.
At Independent Brokers, we can help you evaluate multiple options and create an individualized health insurance plan that takes into account all available options.
Medicare Advantage Plans Near Me
DelVal Senior Advisors work with seniors in Pennsylvania and New Jersey to design the Medicare insurance plan that best fits their needs.
The Nuts And Bolts Of Medicare Advantage
Medicare Part A: When you turn 65, you're automatically enrolled in Medicare Part A hospital insurance. Usually, this help costs nothing.
Medicare Part B: Medicare Part B covers physician and outpatient hospital services. There is a premium for this help. Most people should choose part B.
If you want additional coverage, here are some questions to answer to help you make the right Medicare decision:
Contact DelVal Senior Advisors for help finding the right Medicare Supplement (Medigap) or Medicare Advantage plan for your needs.
Medicare Advantage Plans Offering Expanded Supplemental Benefits
DelVal Senior Advisors is licensed to sell insurance in Pennsylvania, New York, New Jersey, Delaware, Arizona, Arkansas, Connecticut, Florida, Idaho, Maryland, New Mexico, North Carolina, Texas, Utah and Virginia.
We do not offer every plan available in your area. Any information we provide is limited to the plans we offer in your area. For information about all your options, please contact Medicare.gov or 1-800-MEDICARE. Learn about types of Medicare Advantage plans, when you can enroll in Medicare, Medicare Advantage enrollment periods, and more.
You may know that Original Medicare is paid for by the government; money taken in part by you and your employer for payroll taxes and Social Security checks. Medicare Advantage works differently.
With a Medicare Advantage plan, Medicare pays private insurance companies like Clover Health a set amount each month to administer the plan. These companies have a contract with Medicare and must submit their Medicare Advantage plans to Medicare for review and approval each year.
How To Choose Your Plan
A Medicare Advantage plan is responsible for paying claims when you get medical care. The plan, not Medicare, processes and pays your claims. The plan also works with your doctors, hospitals and pharmacies on your behalf to make sure you get the care you deserve.
The first enrollment window for Medicare Part A and/or Part B is 7 months. This period is also known as the Initial Enrollment Period (IEP). For most people, this is when they turn 65. This 7-month period includes 3 months before you turn 65, the month you turn 65, and 3 months after you turn 65.
After you enroll in Medicare, there are 3 enrollment periods during which you can join or change your Medicare Advantage plan:
Under certain circumstances, you can join, change, or drop a Medicare Advantage or prescription drug plan outside of the core enrollment periods, such as:
Best Medicare Supplement Providers For 2023
To learn more about Medicare or Clover Health's Medicare Advantage plans, please call us at 1-855-203-1461 (TTY 711) from 8:00 am to 8:00 pm local time, 7 days a week.*
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Why Choose A Medicare Advantage Plan
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Traditional Medicare covers hospitals (Part A) and doctors (Part B), and you pay standard fees for services. You can go to any doctor, hospital or other provider that accepts Medicare patients anywhere in the country.
You can add drug coverage (Part D) by signing up for a special "standalone" drug plan for an additional premium. You can buy separate Medigap insurance to cover some or most of your out-of-pocket hospital (Part A) and doctor (Part B) expenses. When you retire -- at age 65 or later -- you'll have a choice in health plans: enroll in Original Medicare (Part A and Part B) on its own, a Medicare Supplement plan, or a Medicare Advantage plan (Part C). Because it's such an important decision, you should compare your options to learn about the benefits of a Medicare Advantage plan and why over 24 million enrollees in 2020 chose it.
Factors To Consider When Choosing Medicare Advantage, Medigap And Part D Plans
Original Medicare is a good coverage option from the federal government, but it only covers a portion of your health care costs, about 80% in fact. The rest is your responsibility, and if you're hospitalized, you could owe thousands out of pocket. A Medicare Supplement plan can help you cover expenses that Original Medicare can't, but the monthly premiums can be quite expensive. A Medicare Advantage plan, on the other hand, provides an affordable, comprehensive solution that helps protect both your health and your wallet.
Like Original Medicare and Medicare Supplements, Medicare Advantage plans cover your preventive health care in addition to routine and primary care. However, unlike these two options, many Medicare Advantage plans have built-in Medicare Part D prescription drug coverage as well as additional benefits such as dental, vision, hearing, health and even acupuncture. With the Medicare Advantage plan, you also get emergency insurance when you travel outside of Nevada.
Plus, you'll get just one month's bonus—no need for a separate prescription drug plan—an ID card for services, a customer service number to call, and an added bonus everyone can agree on: peace of mind. Medicare Advantage plans are also known for having affordable copays for things like doctor visits, prescription drugs, emergency care, and lab work. Often, your Original Medicare Part A and Part B waivers are also fully covered. This can save you up to $1,606 per year.
Note: You will still have to pay a monthly premium with Original Medicare. For most people, Medicare Part A is free, but Medicare Part B has monthly fees ($144.60 standard premium; higher depending on income) and is a requirement as long as you are enrolled. For more details visit
Learn About The Parts Of Medicare
To have a clearer idea of Medicare Advantage plans, you should know that private companies contract with the federal government to provide all original Medicare Part A (hospital) and Part B (medical) benefits. Most Medicare Advantage plans also include Medicare Part D (prescription drugs). Two popular types of plans are HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization).
Good question! Before enrolling in a Medicare Advantage plan, you must enroll in Original Medicare. We know what you're thinking: Why can't I enroll in a Medicare Advantage plan? Because private companies contract with the federal government to provide all Original Medicare Part A and Part B benefits, you must first sign up with them.
When you enroll in a Medicare Advantage plan, you're still in the Medicare program and get all the benefits you would get with Original Medicare. What's different is that the private insurance company that offers your plan provides you with health benefits against the federal government.
At age 65, you are eligible for full Original Medicare benefits. If you currently receive Social Security or Railroad Pensions Board (RRB) benefits, Medicare Part A and Part B automatically start on the first day of the month you turn 65. Otherwise, you have a 7-month registration window. Original Medicare—starts three months before your 65th birthday and ends three months after your birthday. If you decide to continue working after age 65, there are various requirements to avoid paying Medicare penalties. Visit Medicare.gov for more details.
Facts About 2022 Medicare Advantage Plans
For Medicare Advantage plan eligibility, you must live in the plan's service area, be enrolled in both Original Medicare Part A and Part B, and you must not have kidney failure (end-stage kidney disease ) at the time of enrollment.
Not every Medicare beneficiary living in Southern Nevada can experience senior-centered health care, with doctors and care teams specializing in every aspect of your care. That's because we only provide care to people enrolled in Humana and UnitedHealthcare's Medicare Advantage plans (call 702-852-9000 or click for details).
Why do we do this?
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