MEDICARE
Medicare Advantage
An all-in-one plan that takes the place of Original Medicare — usually with prescription coverage and extra benefits built in.
How it works
You keep Medicare, but a private insurance company handles your coverage. Your medical benefits and, in most plans, your prescriptions come together on one card. Many plans also include dental, vision, and hearing, and some add things like fitness memberships or an over-the-counter allowance.
What it costs
Monthly premiums are often low, and in many areas there are $0 premium plans. Instead of paying a larger premium every month, you pay copays as you use care, up to a yearly maximum the plan sets. That cap is worth knowing before you enroll, and it is one of the first things we go over.
The part people miss
These plans use networks. If a doctor you want to keep is not in the plan, you find out at the worst possible moment. Before you sign anything, we check your doctors and your medications against the plans available where you live — that one step prevents most of the regret we hear about.
Who it usually fits
People who want a low monthly premium, are comfortable using a network, and like having everything in one plan. If you travel often or see specialists out of state, a Supplement may serve you better — we will tell you straight either way.
Not sure if Advantage is right for you?
Tell us your doctors and prescriptions and we will show you what each plan would actually cost you. Our help is free.
Get Help Choosing CoverageOr call (816) 441-4433 · Monday – Friday, 8:15 AM – 5:00 PM