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Call us and we can help YOU determine for yourself,

if one of these plans will work for you !

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What Is Medicare?

5:28 minutes

Short video by CMS

Medicare & You: Medicare Handbook

1:24 minutes

Short video by CMS about the

Medicare & You Guidebook


2015 Medicare & You Guidebook .pdf

(Click the dark blue link for the book)

Requires Adobe Acrobat

Medicare & You: Different Parts Of Medicare

2:41 minutes

Short video by CMS

CMSHHSgovon YouTube

Understanding Medicare

Part C Medicare Advantage

3:51 minutes

By one of our contracted Carriers

Understanding Medicare - Part C Medicare Advantage

Below is a few videos that may help you understand Advantage Plans a little better.~

Warning: does not recommend that anyone signs up for one of these plans without speaking to us first.

Our information is very limited here on this website compared to how much information that needs to be understood before enrolling into one of these plans.

WE DO have over three hundred  of our own clients in these type plans and WE DO offer several of these plans from several different companies, but these plans

DO NOT WORK FOR EVERYONE. With just a few moments of our time we can help you determine for YOURSELF, if one of these plans will work for you.

"It does not matter how good something looks, if it will not work for you".   These plans do not work for everyone.

What is a Medicare Advantage Plan?

(Referred by Health Care Providers as "Medicare Replacement Plans")

Click the Button below for a publication from Medicare. (requires Adobe Acrobat to open)

The link below will open in a new window.

13 things to know about Medicare Advantage Plans

Information is from the official Medicare website:


1. You're still in the Medicare Program.
2. You still have Medicare rights and protections. (See below)
3. You still get complete Part A and Part B coverage through the plan.
4. You can only join a plan at certain times during the year. In most cases, you're enrolled in a plan for a year.
5. You can join a Medicare Advantage Plan even if you have a pre-existing condition, except for End-Stage Renal Disease (ESRD).
6. You can check with the plan before you get a service to find out if it's covered and what your costs may be.
7. You must follow plan rules, like getting a referral to see a specialist to avoid higher costs if your plan requires it.
The specialist you're referred to must also be in the plan's network. Check with the plan.
8. If you go to a doctor, other health care provider, facility, or supplier that doesn't belong to the plan's network, your services may not be covered, or your
costs could be higher. In most cases, this applies to Medicare Advantage HMOs and PPOs.
9. Providers can join or leave a plan’s provider network anytime during the year. Your plan can also change the providers in the network anytime during the
year. If this happens, you may need to choose a new provider.
10. If you join a clinical research study, some costs may be covered by your plan. Call your plan for more information.
Get your plan's contact information from a Personalized Search (under General Search), or search by plan name.

11. Medicare Advantage Plans can't charge more than Original Medicare for certain services like chemotherapy, dialysis, and skilled nursing facility care.
12. Medicare Advantage Plans have a yearly limit on your out-of-pocket costs for medical services. Once you reach this limit, you’ll pay nothing for covered services.
This limit may be different between Medicare Advantage Plans and can change each year. You should consider this when choosing a plan.
13. If the plan decides to stop participating in Medicare, you'll have to join another Medicare health plan or return to Original Medicare.


Your Medicare rights

No matter how you get your Medicare, you have certain rights and protections designed to:

  • Protect you when you get health care.
  • Make sure you get the health care services that the law says you can get.
  • Protect you against unethical practices.
  • Protect your privacy.
  • Be treated with dignity and respect at all times.

  • Be protected from discrimination. Every company or agency that works with Medicare must obey the law, and can't treat you differently because of your race, color, national origin, disability, age, religion, or sex.

  • Have your personal and health information kept private.

  • Get information in a way you understand from Medicare, health care providers, and, under certain circumstances, contractors.

  • Get understandable information about Medicare to help you make health care decisions, including:                                                                               

  • What’s covered.                                                                                                                                                                                                                          

  • What Medicare pays.                                                                                                                                                                                                                   

  • How much you have to pay.                                                                                                                                                                                                         

  • What to do if you want to file a complaint or appeal.

  • Have your questions about Medicare answered.

  • Have access to doctors, specialists, and hospitals.

  • Learn about your treatment choices in clear language that you can understand, and participate in treatment decisions.

  • Get health care services in a language you understand and in a culturally-sensitive way.

  • Get emergency care when and where you need it.

  • Get a decision about health care payment, coverage of services, or prescription drug coverage.                                                                                       

  • When a claim is filed, you get a notice from Medicare or from your Medicare Advantage Plan (Part C), other Medicare health plan, or Medicare Prescription Drug Plan (Part D) letting you know what it will and won’t cover.                                                                                                                                

  • If you disagree with the decision of your claim, you have the right to file an appeal.

  • Request a review (appeal) of certain decisions about health care payment, coverage of services, or prescription drug coverage.                                         

  • If you disagree with a decision about your claims or services, you have the right to appeal.

  • File complaints (sometimes called "grievances"), including complaints about the quality of your care.