Medicare Advantage Plans

Most Trusted Medicare Advantage Plan Broker in Omaha, NE

With experience in the field and agents you can trust, Midwest Health Insurance Solutions offers Medicare Advantage plans that help you get the care you need, with bilingual representatives that are ready to answer your questions.

Enroll now with expert local bilingual guidance at (402) 972-0820.

Medicare Advantage Plans & Benefits

Our agents will help you compare prices, benefits and coverage plans to make sure you’re getting the best deal while planning for your future.

But navigating the different plans, how they compare to other Medicare options, and what that means for you can be challenging.

As you think about joining or modifying your plan during fall and spring open enrollment periods, our agents can help you find the best solutions that fits our needs and budget.

What Is Medicare Advantage Insurance Coverage?

Medicare Advantage plans are policies offered by private health insurance companies that must follow rules set by Medicare, covering the benefits of Medicare Part A (hospital insurance) and Part B (medical insurance).

Using an Advantage plan (referred to as Medicare Part C) helps close gaps presented by the first two parts of Medicare, while keeping your costs lower than a traditional plan. Advantage plans will typically include prescription drug coverage. Others also include vision, dental and hearing benefits.

Through an Advantage plan, you pay for Medicare Part A and B but receive those benefits through the private company. You may also have to pay a premium to your Advantage provider, though many offer options without premiums. By rule, Advantage plans must cover all benefits offered through Parts A and B, aside from hospice care which is administered by the federal government.

Through our wide network of carriers, we can help you design different plans and directly compare your costs and benefits so that you only pay for what you need.

If you do decide Medicare Advantage is right for you, you cannot access Medicare supplement coverage like Plans F or G. Though they accomplish similar things, they are very different and individuals cannot use both at the same time.

It is important to note that an Advantage plan is not the same as Medicare supplement coverage – like Plans G or F for instance. These two insurance options are very different and by rule, you cannot have both. It’s one or the other. We work with both types.

What Are The Costs Associated With MA Coverage?

While Advantage plans can cover a lot, you may still have some out-of-pocket costs. Understanding those expenses (including copays, coinsurance, deductibles and more) before enrolling in a plan is important.

The good news is almost all Advantage plans offer discounts if you use pre-approved networks of healthcare providers. But if you need to go outside that network, your costs could increase.

It is also extremely important you check if your primary care physician accepts the Advantage plan before you enroll.

Additional Benefits Offered By Some Advantage Plans

The advantage of an Advantage plan is that it goes beyond what you can get with the original forms of Medicare. Prescription drugs, dental, vision, hearing and even free gym memberships or similar fitness programs. Some also offer rides to doctor appointments, meal delivery and telehealth as well.

Medicare Part B Giveback Benefit

Depending your coverage, you could also get money back from the premiums you pay the government through Medicare Part B for choosing an Advantage plan. How much your rebate can be depends on the plan, but it can range from $0.10 to the entire premium. Check with our agents to find out what’s available in your area as some counties have several options for giveback benefits and others do not.

Enrolling In Medicare Advantage Insurance

You can only enroll, disenroll or change your plan in certain times of the year, called the Annual Election Period which runs from October 15th to December 7th every year. You can also disenroll during the Medicare Advantage Disenrollment Period that runs from January 1 through February 15th which allows you to switch back to Medicare Part A and B as well as purchasing a Part D prescription plan.

The Advantage One-Year Trial

As a part of the Medicare Advantage program you also have the option to go back to your old Medicare plan or Medicare supplement, or purchase a new plan altogether. If you choose to purchase a new supplement plan (Plas G and F, for example) after the one-year mark you will need to provide medical underwriting. You would also be required to be in reasonably good health in order to enroll with most Medicare supplement providers. All of these are important factors to consider when considering Advantage’s one-year trial window.

Pros And Cons Of Medicare Advantage Plans

The obvious upside to a Medicare Advantage plan is the cost. Bundling supplement plans along with your standard care and prescriptions can be costly. By going with an Advantage plan and accessing traditional healthcare through a private partner, you gain access to a wider network than can serve your needs. It’s even more of a bonus if your doctors and providers are already within the network saving time, money and stress.

The biggest downside comes when you need care outside your network. If you’re referred to a specialist or facility that doesn’t accept your plan, your costs can be higher. If you don’t like your plan it’s also hard to leave after a year, especially if you’re in poor health. Trying to purchase a supplement becomes harder after the grace period has passed.

You have options if you move or your Advantage carrier drops your coverage, or if they leave the service area. This provides a window to enroll in a similar plan, new plan or just reassess your care needs.

Contact Us For Quotes and Coverage Options

Enroll now with expert local bilingual guidance at (402) 972-0820.

*We Are Currently Licensed and Appointed at The Following States

Medicare Products

Nebraska: Uhc, Aetna, Humana, Wellcare And Medica
Iowa: Uhc, Aetna, Humana And Wellmark
Texas: Uhc, Aetna, Humana, Cigna And Wellcare
Pennsylvania: Uhc, Humana, Aetna
Tennessee: Cigna, And Wellcare
Arkansas And Kansas: Uhc Humana And Aetna

We Can Also Conduct Individual and ACA Products In Those States.