Healthcare Solutions with Medicare Advantage through Florida Blue

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Medicare Advantage

Whether you’re looking to increase your benefits, reduce costs, or simply need a plan that better meets your unique needs, Medicare Advantage could be the perfect health coverage solution for you! Medicare Advantage (Part C) combines Medicare Parts A (hospital insurance) and B (medical insurance), and includes other benefits like drug coverage, out-of-pocket maximums, and more, all combined in one simple policy.

The initial enrollment period is three months before turning 65, the month of your 65th birthday and three months after.

Why Choose Medicare Advantage with Florida Blue?

Navigating the world of Medicare Advantage plans can feel overwhelming, but the licensed insurance agents at Bay Insurance are here to work through the process with you. Unlike Original Medicare, these plans often include added benefits like vision, dental, and even wellness programs. This approach provides a more holistic view of healthcare, potentially reducing your out-of-pocket costs while enhancing your overall well-being.

Low or No Copay to see a Primary Care Doctor

Many Plans Include Prescriptions Drugs

Dental, Vision, & Hearing Benefits

$0 Premium Options

All-in-one Coverage

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Medicare Advantage vs Medicare Supplement

Medicare Part C, or Medicare Advantage, is often structured as a Health Maintenance Organization (HMO) or a Preferred Provider Organization (PPO). Here are some of the key differences between these two options:

	Medicare Advantage (Part C)	Medicare Supplement (Medigap)
How it works	Replaces Original Medicare	Works with Original Medicare
Monthly cost	Lower (sometimes $0)	Higher premium
Doctor access	Network-based (HMO/PPO)	Any doctor nationwide
Out-of-pocket costs	Pay as you go (copays, coinsurance)	Very low & predictable
Max out-of-pocket	Annual cap for protection	No cap, but minimal costs
Referrals	May be required (HMO)	Not required
Travel flexibility	Limited to local network	Excellent (nationwide)
Prescription drugs	Usually included	Separate plan needed
Extra benefits	Dental, vision, hearing & more	None

Simple way to think about it:

• Advantage = Lower cost, more structure

• Supplement = More freedom, fewer surprises

HMO vs. PPO (Medicare Advantage Plans)

	HMO Plan	PPO Plan
Monthly cost	Lower	Slightly higher
Primary doctor required	Yes	No
Referrals needed	Yes	No
Stay in network?	Yes (except emergencies)	Not required
Out-of-network coverage	Not covered	Covered (higher cost)
Flexibility	Lower	Higher

Simple way to think about it:

• HMO = Save money, stay in network
• PPO = Pay more, get flexibility

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Medicare Advantage FAQs

Is Medicare Advantage Right for Me?

Medicare Advantage is a great choice for individuals who want all-in-one coverage and lower out-of-pocket costs, while Original Medicare may be a better option for those seeking maximum flexibility. Our agents will be happy to guide you through all your options to figure out the best plan for you.

Can I keep my Preferred Doctor with Medicare Advantage?

Most Medicare Advantage plans require the use of in-network doctors and hospitals. It’s recommended that you check your plan’s provider network prior to enrolling to make sure your doctor is in your network.

Does Medicare Advantage Include Prescription Drug Coverage?

Most Medicare Advantage plans include prescription drug coverage (Medicare Part D). However, some don’t, so you should check each plan to ensure your medications are covered.

Can I Switch to Medicare Advantage if I Already Have Original Medicare?

Yes! You can change your plan during the Annual Enrollment Period (Oct 15-Dec 7). Likewise, if you have Medicare Advantage and want to switch to Original Medicare, you can do so during the Annual Enrollment Period. Changes made during this period go into effect on January 1.

Does Medicare Advantage Cover Dental, Vision, and Hearing?

Most Medicare Advantage Plans do include the extra benefits of dental, vision, and hearing coverage that aren’t included with Original Medicare. The exact services and coverage can vary by plan though, so make sure you review each plan’s benefits to ensure your needs are met.

How Much Does a Medicare Advantage Plan Cost?

Medicare Advantage plans vary in cost depending on the provider, location, and level of coverage. Many plans offer low or even $0 monthly premiums, but you may still be responsible for copayments, deductibles, and your Medicare Part B premium. Reviewing plan details can help you understand your total costs.

When Can I Enroll in a Medicare Advantage Plan?

You can enroll in a Medicare Advantage plan when you first become eligible for Medicare during your Initial Enrollment Period. You can also join, switch, or drop a Medicare Advantage plan during the Annual Enrollment Period (October 15 – December 7) each year. Certain life events may also qualify you for a Special Enrollment Period.

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