Providence Medical Building

820 South McClellan LL#10

Spokane, WA 99204

509.353.0476 (Local Office)

509.353.0488 (Fax)

Email: support@hioinsure.com

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Not connected with or endorsed by the United States government or the federal Medicare program.

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Medicare Advantage

A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

We are contracted with multiple carriers selling Medicare Advantage plans, along with Medicare Supplements and also Prescription Drug Plans, to give you as many options to choose from as possible. 

 

  • Premera

  • United Health Care (AARP)

  • Humana

  • Kaiser Permanente

  • Asuris

  • Molina

  • Allwell - Centene

  • Blue Cross

  • and others...

Details about Medicare Advantage

  • Plans sold by private insurance companies that provide Medicare benefits

  • Must cover the same Part A and Part B benefits as Original Medicare. Some plans also cover extra benefits such as vision and dental care. 

  • The most common types are HMO's (Health Maintenance Organization) and PPO's (Preferred Provider Organization) and PFFS (Private Fee For Service) plans. 

  • You still have Medicare, but you are no longer enrolled in Original Medicare. You are in a private plan that may have different costs and restrictions

  • You pay a deductible and/or copay for services 

  • You still pay Medicare premiums and your plan may or may not charge an extra premium.

  • You typically are required to use doctors and hospitals in the plan's network

  • You may have to choose a Primary Care Physician, get referrals to see specialists, and/or get prior authorization to see specialists.

  • You can't buy Medicare Supplement / Medigap products to help you pay your out of pocket costs.

  • Plans must have yearly limits on your out of pocket health care costs (the maximum you will pay) after which you will pay nothing the rest of the year

  • If you want Medicare Drug coverage, sign up for a plan that includes both health and drug coverage called a Medicare Advantage Prescription Drug Plan (MA-PD). Usually you can't have a separate Part D plan unless you are signed up for a Medical Savings Account (MSA) or Private Fee For Service plan (PFFS).