Medicare Advantage Plan
Understanding Your Medicare Part C Options
Medicare Advantage plans, also known as Part C, offer an alternative to Original Medicare with added benefits and simpler plan management. These bundled plans are approved by Medicare and provided by private insurance companies.
At A.M.Smith Agency, we help you compare Medicare Advantage plans near you and explain the trade-offs clearly—so you can select the best fit for your lifestyle, healthcare needs, and budget.
Whether you're enrolling for the first time or considering switching plans, we’ll guide you through every step with free, unbiased support from a local Medicare broker.
What Is a Medicare Advantage Plan?
A Medicare Advantage plan combines:
- Part A (Hospital Insurance)
- Part B (Medical Insurance)
- Usually Part D (Prescription Drug Coverage)
These plans may also include additional benefits such as:
- Vision
- Hearing
- Dental
- Wellness programs
- Transportation services
Many Advantage plans offer low or $0 monthly premiums, but they may also have specific provider networks and prior authorization requirements. That’s why working with a knowledgeable advisor is key.
Advantages of Working with A.M.Smith Agency
Choosing a Medicare Advantage plan involves more than comparing premiums. We offer:
Guidance from a local Medicare broker who understands your regional plan options
- Side-by-side comparisons of private insurers and benefits
- Help reviewing formularies, provider networks, and co-pay structures
- Enrollment support and follow-up care
- Licensed expertise in both Michigan and Ohio
As an independent agency, we represent multiple carriers and do not push one-size-fits-all solutions. Your needs come first.
How Medicare Advantage Differs from Original Medicare
Key Differences to Consider
Original Medicare
- Federal program
- Any Medicare-approved provider
- Requires separate Part D plan
- Can add Medigap
- Nationwide coverage
Medicare Advantage
- Private insurer
- Limited to plan’s provider network
- Often includes Part D
- Cannot use with Medigap
- Service area restrictions
Not all Advantage plans are the same. Some may focus on low out-of-pocket costs, while others prioritize extra benefits. We’ll help you compare what’s available in your area and avoid coverage gaps.
Frequently Asked Questions
Are Medicare Advantage plans better than Original Medicare?
It depends on your needs. Advantage plans offer more bundled services and extra benefits, but may have more restrictions. We’ll help you decide based on your lifestyle, budget, and preferred providers.
Can I change Medicare Advantage plans?
Yes. You can switch during the Annual Enrollment Period (Oct 15 – Dec 7) or during Medicare Advantage Open Enrollment (Jan 1 – Mar 31).
Will I pay more out of pocket with Medicare Advantage?
Out-of-pocket costs vary by plan. Some have low premiums but higher copays, while others cap annual costs. We’ll review these differences with you during your consultation.
Do Advantage plans include dental and vision?
Many do. These are some of the extra benefits that attract people to Medicare Advantage. We’ll help you find a plan that includes the services you need.
Request a Free Consultation
Looking for help comparing Medicare Advantage plans in your area?
- Are you turning 65?
- Are you already enrolled in Medicare and considering a switch?
- Do you need guidance on prescription drug coverage?
Let’s find a plan that fits your life.
