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We work with the following companies as an independent broker:
[Aetna Inc., Elevance Health, Inc., Cigna Healthcare, Humana Inc., UnitedHealthcare®, and Wellcare Health Plans, Inc.]

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When selecting a Medicare Advantage (MA) plan, most senior citizens in the United States consider several key factors to ensure the plan meets their healthcare needs, budget, and lifestyle preferences. Here are the primary aspects that seniors typically look for in a Medicare Advantage plan:

1. Comprehensive Coverage and Benefits: Prescription Drug Coverage (Part D): Many MA plans include prescription drug coverage, which is crucial for seniors who rely on medications. Additional Health Benefits: Beyond Original Medicare, MA plans often offer extra benefits such as dental, vision, hearing, and wellness programs. These added services can significantly enhance quality of life. Preventive Services: Access to preventive care, such as screenings and vaccinations are highly valued.

2. Affordability and Cost Structure: Premiums: Seniors look for plans with low or no monthly premiums to minimize their out-of-pocket expenses. Copayments and Coinsurance: Affordable copays for doctor visits, specialist care, and hospital stays are important considerations. Out-of-Pocket Maximums: Plans with lower out-of-pocket maximums provide financial protection against high medical costs.

3. Provider Networks: Access to Preferred Doctors and Hospitals: Many seniors prefer MA plans that include their current healthcare providers to maintain continuity of care. Network Size and Flexibility: A broad network ensures more choices and easier access to specialists and facilities.

4. Plan Quality and Ratings: Medicare Star Ratings: Medicare assigns star ratings (1 to 5 stars) to MA plans based on quality and performance. Higher-rated plans are generally preferred as they indicate better customer satisfaction and care quality. Customer Service: Quality of customer support and ease of accessing services are critical for a positive experience.

5. Prescription Drug Formulary: Medication Coverage: Seniors evaluate whether the plan’s formulary includes their necessary medications and whether the costs are manageable. Formulary Flexibility: Plans that cover a wide range of medications, including generics and specialty drugs, are often preferred.

6. Geographic Availability: Local Coverage: It’s essential that the plan operates in the senior’s area, ensuring access to local healthcare providers and facilities. Travel Coverage: For those who travel frequently or split time between locations, plans that offer coverage outside their primary area are advantageous.

7. Plan Type and Flexibility: Plan Types: Options include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service (PFFS) plans, and others. Seniors choose based on their need for flexibility in choosing providers and accessing specialists. Referral Requirements: Some plans require referrals to see specialists, while others allow direct access, which can influence preference based on individual needs.

8. Additional Perks and Services: Wellness Programs: Access to fitness memberships, health coaching, and chronic disease management programs can enhance overall health. Non-Health Benefits: Services like transportation to medical appointments, meal delivery, and home maintenance support can be highly valued. Telehealth Services: Especially important for those who prefer remote consultations and increased accessibility to healthcare providers.

9. Customer Support and Ease of Use: Enrollment Assistance: Plans that offer robust support during the enrollment process and ongoing assistance are preferred. Plan Management: User-friendly tools for managing benefits, claims, and accessing information are important for ease of use.

10. Health Needs and Conditions: Chronic Disease Management: Seniors with chronic conditions prioritize plans that offer comprehensive management programs and coordinated care. Specialized Care Needs: Access to specialists and tailored services for specific health issues is crucial for some individuals.

11. Flexibility for Changing Needs: Plan Options During Open Enrollment: The ability to switch plans during open enrollment periods allows seniors to adapt their coverage as their health needs change. Adaptability to Life Changes: Plans that accommodate changes such as moving, changes in health status, or evolving personal preferences are highly valued.

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This is an advertisement from FastQuotes, LLC - a privately owned and operated non-government entity that helps Medicare recipients connect with a third party Licensed Insurance Agent to compare their Medicare Supplement, Medicare Advantage and Medicare Part D Plan options. We are not affiliated with any government entity. There is no obligation to enroll.
°Not all plans offer these Benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. Some benefits mentioned on this website may be part of a special supplemental program for the chronically ill. Not all members qualify. Certain benefits mentioned may require authorization by a care manager for some members.
Participating sales agencies represent Medicare Advantage [HMO, PPO and PFFS] and stand-alone PDP prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. We do not offer every plan available in your area. Currently we represent 0 organizations which offer 0 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. To send a complaint to Medicare, call 1-800- MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period. Our unique SMID is MULTIPLAN_LSCALLUS_M.

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