Medicare Advantage

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Medicare Part C, more commonly known as Medicare Advantage plans or MA plans, are offered by Medicare-approved private companies that must follow rules set by Medicare. 

Premiums for Arkansas Medicare Advantage plans are typically fairly low or even $0 since Medicare contracts with these insurance companies to provide your Part A & B benefits on behalf of Medicare. However, you must continue paying your Part B premium.

Remember, you must use the card from your Arkansas Medicare Advantage Plan to get your Medicare-covered services. Keep your red, white, and blue Medicare card in a safe place because you’ll need it if you ever switch back to Original Medicare. 

Most Arkansas Medicare Advantage Plans include drug coverage (Part D), vision, dental, hearing, Gym memberships, and more. In many cases, you’ll need to use health care providers who participate in the plan’s network and service area for the lowest costs.

These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services, to help protect you from unexpected costs. Some plans offer out-of-network coverage, but sometimes at a higher cost. 

In order to avoid extra costs you must be sure to follow the rules of your plan, such as staying in network, and getting a referral to see a specialist. 

One of our knowledgeable agents will do a thorough check to make sure your Doctors and medical facilities will be in network and that your prescriptions will be covered by the Medicare advantage plan.

Yes!  You must have Part A & B of Medicare to be eligible to enroll in a Medicare Advantage plan, and while on the plan you still have all of the rights and protections of Medicare. 

You can join an Arkansas Medicare Advantage plan even if you have a pre-existing condition, and starting in January 2021 people with End- Stage Renal Disease (ESRD) can choose a Medicare Advantage plan.