PLANS WE OFFER
MEDICARE ADVANTAGE PLANS
A Medicare Advantage is another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” must follow rules set by Medicare. If you join a Medicare Advantage Plan, you’ll still have Medicare but you’ll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare. Most plans also include “Part D” or prescription drug coverage. Additionally, our plans offer vison, hearing, and dental services plus gym membership with premiums as low as $0.
MEDICARE SUPPLEMENT PLANS
Medicare Supplement Insurance, sometimes called Medigap, is private insurance that helps fill “gaps” in Original Medicare. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance policy can help pay some of the remaining health care costs, like copayments, coinsurance, and deductibles. Plans vary by coverage and cost. These plans do not include prescription drug coverage.
PRESCRIPTION DRUG PLANS
Medicare Part D or prescription drug plans are also known as PDPs. These are standalone plans that can be purchased through private insurance companies. PDPs provide coverage for prescription drugs and medications and may also cover some vaccines too. Plans vary by location and provider in terms of costs and specific drugs covered. Each plan has a list of specific drugs it covers, known as a formulary, but all PDPs are required by law to cover certain common types of drugs.
DUAL ELIGIBLE SPECIAL NEEDS PLANS
Some people have both Medicare and Medicaid. If so, they could be “dual eligible.” That’s where dual special needs plans — or “dual” plans — come in. Dual plans work together with the individual’s Medicaid plan. Dual health plans cover eligible doctor visits, hospital stays and prescription drugs. Dual plans go beyond either Medicaid or Original Medicare alone. And better yet, with a dual plan, you could get many extra benefits and features than Original Medicare at no extra cost. These extra benefits may include: dental care, plus credit for restorative work, eye exams, plus credit for eyewear, hearing exams, plus credit for hearing devices, rides to health care visits and the pharmacy, and credits to buy hundreds of health-related products. As an added bonus, people who are dual eligible can usually enroll for no monthly premium. That makes a dual plan a low-cost choice too.
Dental, Vision, and Hearing Plan (DVH)
Dental coverage, without waiting periods, for preventive, basic, and most major services such as exams, cleanings, crowns, and root canals. Vision coverage includes annual vision exams and glasses or contacts from a vision network with both private practice and leading retail providers. Our hearing plans include benefits from UnitedHealthcare Hearing, such as annual hearing exams and hearing aids, including over-the-counter (OTC) hearing aids.
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