Harmony Health Advisors

Medicare Advantage is a private health insurance alternative to Original Medicare that provides all of Medicare's Parts A & B benefits. Most plans also include the Part D prescription drug benefit - all in one convenient plan.

Types of Medicare Advantage Plans

There are several different types of Medicare Advantage plans to fit your lifestyle and healthcare needs.

HMO — Health Maintenance Organization

Most Common

HMO plans require you to use a network of doctors and hospitals. You'll typically choose a primary care physician (PCP) who coordinates your care and provides referrals to specialists. HMOs generally have lower premiums and out-of-pocket costs in exchange for this network requirement.

PPO — Preferred Provider Organization

Most Flexible

PPO plans give you the flexibility to see any doctor or specialist, inside or outside the plan's network, without a referral. Staying in-network costs less, but you're never locked in. A good choice if you travel frequently or want more provider freedom.

PFFS — Private Fee-For-Service

PFFS plans determine how much they'll pay providers and how much you'll pay when you receive care. You can generally see any Medicare-approved provider who agrees to the plan's payment terms - no network required in many cases.

SNP — Special Needs Plans

Specialized Care

SNPs are tailored for people with specific diseases or characteristics, such as those who are dual-eligible for Medicare and Medicaid, live in an institution, or have a chronic condition like diabetes, heart disease, or ESRD. These plans coordinate benefits and care specifically around your condition.

Why choose Medicare Advantage?

Medicare Advantage often delivers more for less compared to managing Original Medicare on its own.

All-in-One Coverage

Parts A, B, and usually D are bundled into a single plan - no need to manage multiple policies or pay multiple premiums.

Customizable Plans

Different plan types mean you can choose coverage that fits your specific healthcare needs, provider preferences, and budget.

Extra Benefits

Many Medicare Advantage plans include dental, vision, and hearing coverage - benefits that Original Medicare does not cover.

Cost Savings

You may pay less for certain services compared to Original Medicare plus a Supplement plan, especially with HMO-style plans.

You are eligible for Medicare Advantage if…

You are eligible for Medicare.

You have Medicare Parts A & B.

You reside in the service area of the plan you want to join.

Medicare Advantage