Medicare Insurance

Medicare Insurance Products

Medicare has a lot of moving parts—plan types, timelines, formularies, networks, and rules that change year to year. Advantage Insurance Network makes it simple. Our licensed agents compare options across multiple top-rated carriers, explain everything in plain language, and use modern technology to match your doctors, prescriptions, and budget with the right plan. We serve Ohio, Kentucky, Indiana, Tennessee, and Michigan.

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Why Work With Advantage Insurance Network for your medicare insurance products?

• Independent: We compare multiple carriers from top companies like Anthem, Humana, Medical Mutual & Aetna

• Options:  We write Medicare Advantage Plans, Medigap policies & Medicare prescription drug plans for several companies

• Technology-Enabled: Fast, accurate plan matching for drugs/doctors and total cost modeling.

• Clear, Local Support: Licensed agents who explain everything in plain language from our Cincinnati office.

• Annual Reviews: Plans change every year—so we re-shop and keep you in the right fit.

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Your Main Medicare Paths (What We Help You Compare)

1. Medicare Advantage (Part C)

2. Medicare Supplement (Medigap) with Original Medicare (Parts A & B)

3. Medicare Prescription Drug Plans (Part D)

We’ll sit with you (phone, video, or in-person), plug in your medications and physicians, and generate side-by-side comparisons of premiums, co-pays, pharmacies, and total estimated annual costs—so you can choose confidently.

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Medicare Advantage (Part C)

What it is: All-in-one private plans that deliver your Part A (hospital) and Part B (medical) benefits, often bundled with Part D drugs and extra perks (e.g., preventive dental/vision/hearing, fitness, care coordination). You stay enrolled in Medicare, but a private insurer administers your benefits.

You’ll still pay: Your Part B premium (some plans also have a plan premium; some are $0).
Networks: Most plans use HMO or PPO networks; costs are lowest in-network.
Financial protection: Plans include an annual out-of-pocket maximum (MOOP)—Original Medicare does not.

Common Medicare Advantage Plan Types

• HMO: Lowest typical costs; specialist referrals may be required; out-of-network generally not covered (except emergencies/urgents).

• PPO: More flexibility to see out-of-network providers at higher cost-sharing.

• PFFS: Any provider who agrees to the plan’s terms for that visit.

• SNP (Special Needs Plans): For specific needs—C-SNP (certain chronic conditions), D-SNP (dual-eligible Medicare/Medicaid), I-SNP (institutional).

• MSA (Medical Savings Account): High deductible + plan-funded savings deposit; you manage spending.

Potential Advantages

• Bundled coverage (medical + drugs + extras in one card)

• Predictable max exposure via MOOP

• Coordinated care programs and disease management

• $0 premium plans may be available in many counties

Watchouts (We’ll Check These for You)

• Doctor/hospital participation and referral rules

• Prior authorizations for certain services

• Travel/snowbird needs and out-of-area coverage

• Drug tiers and specialty med rules

Enrollment Windows (Key Dates)

• Initial Enrollment Period (IEP/ICEP): 7 months around your 65th birthday (or Part B start).

• Annual Enrollment Period (AEP): Oct 15 – Dec 7 (changes take effect Jan 1).

• Medicare Advantage Open Enrollment (MA-OEP): Jan 1 – Mar 31 (one-time switch MA→MA or MA→Original Medicare + Part D).

• Special Enrollment Periods (SEPs): Move, loss of coverage, Medicaid/LIS changes, 5-Star plan availability, and more.

💡 Best for: Those who want bundled benefits, lower premiums, coordinated care, and an annual spending cap.

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Medicare Supplement (Medigap) with Original Medicare

What it is: Private policies that help pay Original Medicare’s deductibles, coinsurance, and copays. You can see any U.S. provider that accepts Medicare—no networks. Pair with a stand-alone Part D plan for prescriptions.

Standardized Plans

Medigap plans are standardized (A, B, C, D, F, G, K, L, M, N). Plan G and Plan N are common choices for new enrollees. (People new to Medicare on/after 1/1/2020 generally can’t buy Plans C or F.)

Highlights (varies by letter):

• Plan G: Broad cost-sharing protection; you pay the Part B deductible, then most costs.

• Plan N: Lower premium; copays for some office/ER visits; doesn’t cover Part B excess charges in some states.

• High-Deductible G: Lower premium, higher annual deductible.

When to Enroll

• Medigap Open Enrollment: A 6-month window starting the month you’re both 65+ and enrolled in Part B. You generally have guaranteed issue (no health underwriting) during this window. After it closes, underwriting may apply in many situations.

• Trial Rights & Other GI Rights: Certain situations provide guaranteed issue (e.g., leaving an MA plan within the first 12 months if you previously had Medigap, plan termination, moves).

💡 Best for: People who want provider freedom, predictable costs, and nationwide access, including frequent travelers and those who don't want to get referrals and deal with networks.

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Medicare Prescription Drug Plans (Part D)

What it is: Stand-alone PDPs (for those on Original Medicare/Medigap) or embedded Rx benefits in many MA-PD plans.

How Part D Works (Big Picture)

• Formulary: Each plan’s covered drug list (by tiers).

• Pharmacy network: Costs may differ between preferred and standard pharmacies; mail order may save more for 90-day supplies.

• Cost stages: Deductible → initial coverage → coverage gap → catastrophic (beneficiary cost share evolves across stages).

What We Compare for You

• Your current medications (name/dose/frequency)

• Tier placements and prior authorization/quantity limits

• Annual projected costs (premium + copays + coinsurance) across plans

• Preferred pharmacy match-ups and mail-order options

Enrollment & Penalties

• IEP/AEP/SEPs mirror Advantage plan timelines.

• If you delay Part D when first eligible and don’t have creditable drug coverage, a late enrollment penalty may apply and persist while you have Part D. We’ll confirm creditable status and timing to avoid penalties.

💡 Best for: Anyone with prescriptions now—or who wants to avoid future penalties by establishing creditable coverage.

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How We Help (Step by Step)

1. Profile & Goals: Doctors, hospitals, medications, travel, budget, and must-haves.

2. Smart Tech Match: We use plan-comparison software to map your doctors and drugs to plans, estimate all-in annual costs, and show side-by-side options.

3. Clear Guidance: We explain trade-offs—premiums vs. copays, network nuances, drug tiers, and out-of-pocket risks.

4. Enrollment Made Easy: Secure digital applications and e-signature where available; we coordinate ID cards and confirmations.

5. Year-Round Support: Help with coverage questions, prior auth guidance, formulary changes, and annual reviews during AEP.

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Choosing Medicare Advantage vs. Medigap (Quick Comparison)

We’ll price both paths using your doctors & meds to see which track delivers the best overall value and peace of mind for you.

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Special Situations We Handle

• Dual-Eligible (Medicare + Medicaid) & LIS/Extra Help: May qualify for low premiums/copays and special enrollment flexibility.

• Chronic Conditions: Explore C-SNP options and care management programs.

• Veterans (VA/TRICARE): Coordinate benefits to prevent duplication and preserve access.

• Working Beyond 65: Timing Part B and Part D to avoid penalties when you have creditable employer coverage.

• Snowbirds & Frequent Travelers: Network and emergency coverage planning.

• Recent Move or Plan Termination: SEPs that allow changes mid-year.

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What to Bring to Your Free Consultation

• Medicare card (and any current plan cards)

• List of prescriptions (name/dose/frequency)

• Preferred doctors/hospitals/pharmacies

• Travel plans (extended stays in other states)

• Budget considerations (premium vs. copay comfort)

We’ll do the rest—our technology and expertise handle the heavy lifting.

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Take the Next Step

Medicare doesn’t have to be confusing. Get a personalized comparison and expert guidance at no cost.

📞 Call: 513-922-9460
📧 Request Your Free Medicare Consultation

✅ Choose the right Medicare plan for your health, lifestyle, and budget—with confidence.

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Not connected with or endorsed by the U.S. government or the federal Medicare program. Plan availability and benefits vary by county and carrier. Costs, benefits, and formularies may change on January 1 of each year. For complete details, refer to each plan’s Evidence of Coverage (EOC) and Summary of Benefits.