Medicare Advantage

Also known as "Part C" or "MA Plans", these plans are offered by private companies that are approved by Medicare. They provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage, and usually include drug coverage (Part D). Medicare Advantage Plans can offer extra coverage, such as vision, hearing, dental, and/or health and wellness program

This coverage can help pay for hospitalization, surgery, radiation/chemotherapy and more. You can choose between three options on the Cancer and Specified Disease Plan: Low, High or Premium. All three options cover the same type of services. In most cases, the amount of coverage differs based on the option chosen.

Hospital indemnity protection is a supplemental insurance plan that pays a cash benefit to the policyholder if they are hospitalized for a covered illness or injury: 

• How it worksThe policyholder receives a lump sum payment that they can use to cover hospital bills, deductibles, copays, coinsurance, and other expenses. The payment is not based on the amount of the hospital bill or other insurance coverage.

Fills gaps in Original Medicare: Covers out-of-pocket expenses like deductibles, coinsurance, and copayments.

• No network restrictions: You can visit any Medicare-accepting provider nationwide.

• Predictable costs: Some plans offer more stable, predictable out-of-pocket expenses.

• Travel flexibility: Some Medigap plans offer coverage for emergency care while traveling outside the U.S.

Routine care: Covers services like cleanings, exams, x-rays, and fillings.

• Major dental services: May include coverage for crowns, root canals, dentures, and other more complex dental procedures.

• Low or no out-of-pocket costs: Many dental plans offer affordable monthly premiums and lower copays for in-network services.

• Flexibility: Some plans allow you to visit any dentist, while others may offer more savings through a network of providers.

Routine eye exams: Coverage for regular eye exams to detect vision changes and eye diseases.

• Eyeglasses and contact lenses: Most plans offer coverage for prescription glasses, lenses, or contact lenses after a covered eye exam.

• Discounts on eyewear: Many plans offer discounts or allowances for eyewear, often giving you access to a large network of optical providers.

• Access to specialists: Some plans may cover visits to optometrists or ophthalmologists for additional care like glaucoma testin