Medicare Advantage, made for the way America lives.
Hospital, medical and — in most plans — prescription coverage in one plan from a Medicare-approved private insurer. Let a licensed agent compare the plans we offer in your county, side by side.
Licensed agents — not call-center scripts.
Multiple carriers compared in one conversation.
Doctor & drug checks before you enroll.
$0 for our help. No obligation, ever.
How Medicare Advantage works, in six lines.
- It's still Medicare. Plans are run by private companies approved by Medicare and must cover everything Original Medicare covers (hospice stays with Original Medicare).
- You keep paying Part B. The 2026 standard Part B premium is $202.90/month. Some plans add a premium; many areas have $0-premium plans.
- Networks matter. HMOs usually require in-network care; PPOs let you go out of network for a higher cost.
- There's a safety net. Every plan has a yearly maximum out-of-pocket limit for covered Part A & B services.
- Drugs are usually included. Most plans include Part D, with a yearly drug out-of-pocket cap ($2,100 in 2026; $2,400 in 2027).
- Benefits change yearly. Review your plan's Annual Notice of Change every fall.
Five kinds of Medicare Advantage plans.
Each one balances cost, flexibility and coordination differently. Tap a type to see how it works.
Health Maintenance Organization
You generally get care from doctors, hospitals and other providers in the plan's network, except in emergencies, urgent care when you're out of the area, and out-of-area dialysis. Many HMOs ask you to choose a primary care doctor and get referrals to see specialists.
- Often the lowest premiums and copays
- Coordinated care through a primary doctor
- Some HMOs offer a point-of-service (POS) option for certain out-of-network care
Preferred Provider Organization
PPOs have a network of preferred providers, but you can also see out-of-network doctors and hospitals — usually for a higher copay or coinsurance. You typically don't need a referral to see a specialist.
- More flexibility in choosing providers
- Separate in-network and combined out-of-pocket limits
- Often higher premiums than HMOs
Special Needs Plan
SNPs limit membership to people with specific needs and tailor benefits, providers and drug formularies to them. All SNPs include Part D drug coverage.
- D-SNP — for people with both Medicare and Medicaid
- C-SNP — for certain chronic conditions like diabetes or heart failure
- I-SNP — for people living in an institution or needing that level of care at home
Private Fee-for-Service
The plan decides how much it pays doctors and hospitals and how much you pay. You can see any Medicare-approved provider who agrees to the plan's payment terms — but providers can choose whether to accept the plan each time you visit.
- Some PFFS plans have networks; others don't
- Drug coverage may or may not be included
- Always confirm a provider accepts the plan before care
Medical Savings Account
MSA plans combine a high-deductible health plan with a bank account. The plan deposits money into the account each year to help pay health costs before you meet the deductible.
- No network — use any Medicare provider
- Doesn't include drug coverage; you can join a separate Part D plan
- Unused deposits can roll over
More than hospital and doctor coverage.
Every Medicare Advantage plan covers medically necessary Part A and Part B services. Many go further. Benefits vary by plan and location — your agent will show you exactly what's included.
“Don't shop by premium alone. Compare what you'd pay in a whole year — premium, copays, drugs and the out-of-pocket maximum.”
— The USA Med Advantage rule of thumb
When you can join or switch.
Highlighted months show the main enrollment windows. Today's month is outlined.
Join, switch or drop a Medicare Advantage or Part D plan; changes start Jan 1.
Already in Medicare Advantage? Make one switch, or return to Original Medicare.
Moves, lost coverage, Medicaid or Extra Help changes can open a window.
Five things to have on the table.
- Your Medicare card — with your Part A & B start dates
- Names of your doctors, specialists and preferred hospital
- Every prescription you take, with dosage
- Your preferred pharmacy (or mail order)
- Your current plan's Annual Notice of Change, if you have one
Medicare Advantage FAQ
Is Medicare Advantage the same as Medicare?
Medicare Advantage plans are a part of Medicare (Part C), offered by private companies that contract with Medicare. You still have Medicare — you just get your Part A and Part B benefits through the plan instead of Original Medicare.
Will I lose my doctor?
Possibly, if your doctor isn't in a plan's network. That's why our agents check your doctors before you enroll. PPO plans allow out-of-network care at a higher cost.
Are $0-premium plans legitimate?
Yes — many Medicare Advantage plans have $0 monthly premiums. You still pay your Part B premium and cost-sharing (like copays) when you get care.
Can I have Medicare Advantage and a Medigap policy?
No. Medigap only works with Original Medicare. If you join Medicare Advantage, you can't use a Medigap policy to pay your plan's cost-sharing.
Do you charge for your help?
No. USA Med Advantage's licensed agents are paid by the insurance companies, so our comparisons cost you nothing.
Do you represent every plan?
No. We do not offer every plan available in your area. For information on all of your options, contact Medicare.gov, 1-800-MEDICARE or your State Health Insurance Assistance Program (SHIP).
Let a licensed agent do the comparing.
We'll review the Medicare Advantage plans we offer in your county — premiums, copays, out-of-pocket limits, networks and drug coverage — in one call.