Medicare Advantage (Part C)

What Is Medicare Advantage?

Medicare Advantage (also known as Medicare Part C) offers an alternative way to receive your Medicare benefits through private insurance companies approved by Medicare.

Instead of using Original Medicare (Parts A & B) alone, you can choose a Medicare Advantage plan that combines hospital, medical, and often prescription drug coverage — all in one convenient plan.

These plans are popular because they often include extra benefits that Original Medicare doesn’t cover, such as vision, dental, hearing, fitness memberships, and more.

What Does a Medicare Advantage Plan Include?

Most Medicare Advantage plans include:

Hospital Coverage (Part A)– Inpatient hospital care, skilled nursing, hospice.

Medical Coverage (Part B)– Doctor visits, outpatient care, preventive services.

Prescription Drug Coverage (Part D)– Most plans include drug coverage for added convenience.

Extra Benefits– Depending on your plan, you may also get coverage for vision, dental, hearing aids, telehealth, and wellness programs.

Types of Medicare Advantage Plans

There are several types of Medicare Advantage plans. Each offers different levels of flexibility, networks, and costs:

• HMO (Health Maintenance Organization): Requires you to use doctors and hospitals within the plan’s network.
• PPO (Preferred Provider Organization): Offers more freedom to choose your doctors, even outside the network (at a higher cost).
• PFFS (Private Fee-for-Service): You can visit any Medicare-approved provider that accepts the plan’s terms.
• SNP (Special Needs Plans): Designed for people with specific health conditions or financial needs.

We’ll help you determine which type best fits your situation and lifestyle.

Benefits of Choosing a Medicare Advantage Plan

All-in-One Coverage – Combine hospital, medical, and drug coverage in one plan.
Predictable Costs – Many plans have low or even $0 monthly premiums.
Added Extras – Get benefits not offered by Original Medicare, like dental, vision, and fitness perks.
Simplified Management – One plan, one card, one place for all your Medicare needs.
Out-of-Pocket Protection – Plans have a yearly limit on what you pay for covered services.

Who Can Enroll in Medicare Advantage?

You can join a Medicare Advantage plan if:

• You are enrolled in Medicare Part A and Part B, and
• You live in the plan’s service area.

Enrollment typically occurs during:

• Initial Enrollment Period (IEP):When you first become eligible for Medicare.
• Annual Enrollment Period (AEP):Each year from October 15 – December 7.
• Special Enrollment Periods (SEP):If you experience certain life events (such as moving or losing other coverage).

Why Work With Burgmann Insurance Group

Choosing a Medicare Advantage plan can be overwhelming — dozens of plans, fine print, and constantly changing benefits.

At Burgmann Insurance Group, we simplify the process.
Our local, independent agents will:

• Compare top-rated plans available in your area.
• Explain costs, coverage, and networks clearly.
• Help you enroll in the plan that best fits your health and budget.

You’ll never deal with pushy sales tactics — just honest guidance from people who care.