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Medicare Advantage Plans in Texas
Medicare Advantage plans, also known as Medicare Part C, are an alternative way to receive your Medicare benefits through a private insurance company. These plans combine Medicare Part A (hospital coverage) and Part B (medical coverage), and many also include prescription drug coverage, dental, vision, and hearing benefits.
Medicare Advantage plans are popular among many individuals in Texas because they often offer lower monthly premiums and additional benefits not included with Original Medicare. However, these plans work differently than Medicare Supplement plans and typically use provider networks and cost-sharing in the form of copays.
As an independent Medicare broker serving Texas, Oakline Benefits helps individuals compare Medicare Advantage plans from multiple insurance companies. Because plan benefits, provider networks, and drug coverage can vary significantly, reviewing your options carefully is important to ensure your doctors, prescriptions, and healthcare needs are covered.
How Medicare Advantage Plans Work
Medicare Advantage plans replace Original Medicare as your primary coverage. Instead of Medicare paying your claims directly, the insurance company manages your healthcare coverage.
Most Medicare Advantage plans include:
- Hospital coverage
- Medical coverage
- Prescription drug coverage
- Preventive services
- Additional benefits such as dental, vision, and hearing
These plans also include an annual maximum out-of-pocket limit, which provides financial protection in the event of significant medical expenses.
When You Can Enroll
You can enroll in a Medicare Advantage plan during specific enrollment periods, including:
- Your Initial Enrollment Period when you first become eligible for Medicare
- The Annual Enrollment Period from October 15 through December 7
- Medicare Advantage Open Enrollment Period from January 1 through March 31 (if already enrolled in a Medicare Advantage plan)
Reviewing your options during these periods allows you to select coverage that best fits your needs.
Get Help Reviewing Medicare Advantage Plans in Texas
Medicare Advantage plans can vary widely depending on your location, doctors, and prescriptions. Reviewing your options with an independent broker can help ensure you select a plan that aligns with your healthcare needs and financial goals.
Oakline Benefits provides education, plan comparisons, and enrollment assistance at no cost to individuals throughout Texas. If you would like help reviewing Medicare Advantage plans or understanding how they work, you can request assistance or schedule a time to speak.
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This is a solicitation for insurance. Submitting your information or calling any phone numbers listed on this website will connect you with a licensed Agent/Broker. Medicare has neither endorsed nor reviewed the information on this website, and we are not connected or affiliated with any United States government or state agency. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.
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