Medicare Advantage
Part C
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Medicare Advantage (Part C) plans
What Are Medicare Advantage (Part C) plans?
Part C of Medicare was passed by Congress in the 1990’s with the intent to give CHOICES in the marketplace. By allowing choices, Congress’ objective was to give incentives for private plans to compete in a marketplace where cost and benefits might lead to improvements for Medicare beneficiaries. Over the years, improvements were made and was officially re-titled as “Medicare Advantage”. Medicare Advantage plans REQUIRE YOU to have both PARTS A & B. Medicare Advantage plans typically include Part D coverage. Many of the Advantage plans offer additional benefits which the Part C law allows.
What Does YOUR MEDICARE CADDY Think About Clients taking Medicare Advantage Plans?
All consultations concerning Medicare plan choices need to be individualized. We offer most of the available Medicare Advantage plans.. That is why being independent is so important to our clients… as all plan choices have attributes that could be a plus to one person and a minus to another. Medicare Advantage plans are built on cost-sharing schedules. Advising on cost-sharing is one of the important elements of making decisions on Medicare plans. Medicare Advantage plans require an in-depth understanding and that is why Your Medicare Caddy is so opposed to the marketing of these plans thru TV 30-second ads asking beneficiaries to call a 1-800 number. Call us for the in-depth, individualized choices that best serve you!
What are the benefits of Medicare Advantage plans
Many Medicare Advantage (Part C) plans may include prescription drug, vision, hearing and dental coverage not offered by Original Medicare (Parts A & B). Additionally, each Medicare Advantage plan is required by law to have an annual maximum cap on out-of-pocket costs. This means that once that limit is reached you will pay nothing for additional covered medical services.
What We Offer
At Healthwise Rapid City
- Part A
- Part B
- Part D
- Medigap Policies
- Part C
- Medicare Cost Plan
Part A
Medicare Part A (Hospital Insurance): Part A coverage is a premium-free program for participants with enough earned credits based on their own work history or that of a spouse at least 62 years of age (when applicable) as determined by the Social Security Administration (SSA).
Our Approach
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Providers
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Part B
(Outpatient and Medical Insurance): Part B coverage requires a monthly premium contribution. With limited exception, enrollment is required for members who are retired or who have lost Current Employment Status and are eligible for Medicare.
Our Team
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Doctors
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Part D
(Prescription Drug Insurance): Part D coverage is not required for plan participants enrolled in any of the state programs (i.e., CIP, TRIP, LGHP or State). Medicare Part D coverage requires a monthly premium, unless the participant qualifies for extra-help assistance.
Our Location
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Dr CV
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Medigap Policies
Medigap is Medicare Supplement Insurance that helps fill “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
– Copayments
– Coinsurance
– Deductibles
Our Approach
For everyday care or life-changing care, you can count on us and loved.
Providers
You can count on us to keep you and your loved ones safe and healthy.
Part C
A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.
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Medicare Cost Plan
A Medicare Cost Plan is similar to a Medicare Advantage plan in that enrollees have access to a network of doctors & hospitals and may have additional benefits beyond what’s provided by Original Medicare. But unlike Medicare Advantage plans, a cost plan offers policyholders the option of receiving coverage outside of the network, in which case the Medicare-covered services are paid for through Original Medicare. Cost plan enrollees may decide to return to Original Medicare at any time, since a cost plan works in tandem with (as opposed to a replacement for) Original Medicare. Cost plan coverage is popular in our region, and it should be of interest to all ages of Medicare beneficiaries.
Medicare Caddy
Let the Medicare Caddy help you today. Call us to set up an appointment.
Our Team
Dean Henzlik, CSA
Your Medicare Caddy.
Helping you navigate the roughs, bunkers and penalty areas of Medicare and stay in the fairways.
Services
Pricing & Fees
Required Disclosure: We do not offer every plan in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
CURRENTLY, I represent 9 ORGANIZATIONS which offer 48 products in this area. You can always contact Medicare.gov, 1-800-MEDICARE, or the local State Health Insurance Program (SHIP) for help with plan choices.