Medicare Advantage
Medicare Advantage for Part A & Part B Coverage
John Iannotti wants our clients to have the best health care coverage options, which may include alternatives to original Medicare insurance. We offer our insurance services in various states across the nation, including California, Florida, Illinois, and New York. Medicare Advantage plans are offered by Medicare-approved private companies, providing another way to receive Medicare Part A and Part B coverage. These plans must follow rules Medicare sets, and most of them include drug coverage. You may need to use medical providers participating in your plan’s service area and network to get the lowest costs in many cases. Medicare Advantage plans also set a limit on your yearly out-of-pocket costs for covered services to protect you from unexpected costs. Some of these plans may include out-of-network coverage, but they may cost you more.
Common Types of Medicare Advantage Plans
As a non-captive insurance agent, John Iannotti values insurance plans that fit our clients’ specific needs and provide the best coverage options. With Medicare Advantage, some of the common plans people choose include the following:
Health Maintenance Organization (HMO) Plans
If you choose an HMO plan, it generally requires you to get health care services from providers within your plan’s network. There are exceptions to this condition, such as out-of-area urgent care, emergency care, and out-of-area dialysis. Some plans will let you receive care outside your network for certain services.
Private Fee-for-Service (PFFS) Plans
If you choose a PFFS plan, this Medicare Advantage Part C option from private insurance companies differs from Medigap or original Medicare. This plan decides how much it will pay hospitals, doctors, and other health care providers, and how much you are responsible for paying when getting care.
Preferred Provider Organization (PPO) Plans
The PPO plan is a Part C Medicare Advantage Plan private insurance companies offer with network hospitals, doctors, and other health care providers. If you use hospitals, doctors, and other providers belonging to your network, you pay less for their services. Conversely, using hospitals, doctors, and other providers outside your network will cost you more.
Special Needs Plans (SNPs)
While Medicare SNPs are a type of Medicare Advantage Plan like your HMO and PPO choices, their membership is limited to people diagnosed with specific characteristics or diseases. Medicare SNP members have their benefits, drug formularies, and provider choices tailored to provide the best services to the groups they serve and their specific needs.
John Iannotti Offers Private Medicare Coverage Options
John Iannotti is committed to serving our clients’ unique coverage needs with options like Medicare Advantage. We welcome clients in various states, including New Jersey, New York, Maine, Vermont, Illinois, Pennsylvania, Florida, California, Ohio, Michigan, and Washington.