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Introduction

2 Ways To Have Medicare

Medicare Supplements

Medicare Advantage - This Page

Medicare Part D

Medicare Cheat Sheet & FAQ

Medicare Choices

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Medicare Advantage

Medicare Advantage, also known as "Part C", are health insurance plans provided by private insurance carriers. Medicare Advantage plans do not supplement Medicare, they replace it. Advantage Plans provide hospital and doctor benefits just like Traditional Medicare, but will usually include extra's. These extra's can include prescription, dental, vision, and fitness club benefits. Medicare Advantage plans will also include manageable co-pays for medical care with caps on your out of pocket. The good news is that in many cases you can get all of these extra benefits for little or no extra monthly premium.

Key Benefits

Includes medical, Rx, & other extra benefits in one plan.

You pay $0 or a little more for these extra benefits.

Helps you contain medical costs by providing limits & maximums.

Types Of Advantage Plans

Like traditional medical insurance, Advantage Plans have networks of medical providers. These networks are the doctors and hospitals that have a relationship with and accept the plan. Networks can be a good thing because they give you access to quality medical providers and help contain costs. There are several types of Medicare Advantage Plans but there are two that are the most common; PPO & HMO. The primary difference between the two lies in referral requirements and using in / out of network medical providers. The information below summarizes the two and their differences.

PPO Plan

Preferred Provider Org.

Has networks of doctors & hospitals and allows you to go out of network, but at higher co-pays.

Network restrictions do not apply to emergency and urgent care.

No referral is typically required to see specialists.

HMO Plan

Health Maintainance Org.

Has networks of doctors & hospitals and you must use them to be covered.

Network restrictions do not apply to emergency and urgent care.

Referrals from doctor required to see specialists.

Sample Medicare Advantage Plan

Below is a sample that mirrors many of the popular plans available in Texas. This type of plan is available with various insurance providers and the specifics of the plans will vary.

Coverage for hospitalization, nursing facility, and other Part A benefits.

Coverage for doctors, outpatient care, and other Part B benefits.

Each plan has a network of doctors. Some plans allow you to go out of network at higher costs.

Some plans require referrals to see specialists and some do not.

Includes Part D prescription benefits and coverage for generic, brand, & specialty medications.

Dental, vision, & hearing aid benefits included.

No cost health club membership & exercise programs.

$0 - $20 monthly premium. (In addition to Medicare Part B, which is $148.50 in 2021)

$0 co-pay for annual preventive care and exams.

$0 deductible for diagnostic medical care, treatment, & tests; only co-pay's or coinsurance.

$0 primary doctor co-pay, $30 specialist, $90 emergency room.

Includes a cap on your out of pocket costs to protect your finances.

Take the Medicare Quiz for a shortcut in determining which Medicare options may be best for you.

Click Here

Video: Medicare Advantage Explained

In this short video Ben explains Medicare Advantage and shows you a sample plan. To enlarge the screen on your mobile phone, scroll over the video and click the enlarge icon in the lower right corner. Turn your phone sideways to make it even larger.

Top Medicare Advantage Insurers In Texas

We help you compare plans & costs with these insurers in one convenient place. Scroll down to the Agent section to learn how.

Recommended Next Section: Medicare Part D

About Your Agent

Since beginning his career as a Licensed Insurance Agent, Ben Rodriguez has personally helped over 1,000 Medicare recipients. He has a degree in Business Finance from Kent State University and has acquired over 15 years of experience in financial services & insurance. Having a close relationship with his parents and grandparents has made him in tune to the needs of boomers and seniors. Ben is known for his professionalism with a personal touch that he brings to each of his clients.

Ben Rodriguez

Licensed Agent

Agency Director

Get A Free Phone Consultation & More Info;

Learn your Medicare open enrollment, what you need to do and when, and your personal options.

Book A Call Using His Online Calendar; Click Here

Compare the best plans & insurance providers in your zip code. Get a recommendation based on your personal needs, budget, medications, and doctors.

Call Or Text Us Directly At 512-537-7847

Get all your questions answered, gain clarity and relief with your Medicare decisions.

An email or mailed packet will be delivered to you after your call so that you can save and review the info.

ben@lonestarmedicare.com

Our service and information is always zero cost to you. Assistance is provided with no obligation or pressure. See why hundreds of folks all over Texas use us each year and give us high ratings.

About Us

We are an independent insurance agency that hundreds of Texans trust & rely on for their Medicare benefits. We specialize in Medicare Supplements, Medicare Advantage (Part C), Part D, and Dental & Vision plans. Our service is designed to be a one stop shop to make it easy for you to get your best value coverage. We are based in Austin, TX and offer plans in the entire state. We provide our services to you conveniently by phone & online.