Medicare Advantage, called Medicare Part C, provides a private insurance alternative to traditional, federally administered Medicare. This comprehensive Medicare plan consolidates various components into one convenient package.

Medicare Advantage Plans offer a way to receive your Medicare Part A and Part B coverage through Medicare-approved private insurers. These plans, sometimes called "Part C" or "MA Plans," must adhere to strict guidelines set by Medicare.

To opt for a Medicare Advantage plan, you must enroll in Medicare Part A and Part B and continue paying the Part B premium. Additionally, you must choose and enroll in a Medicare Advantage plan through a private insurer, such as Freedom Brokers.

Prescription drug coverage is a feature of most Medicare Advantage Plans (Part D). Reviewing each plan's specifics is crucial, as the additional benefits provided can vary significantly between policies.

Eligibility for a Medicare Advantage Plan in Illinois requires that you be enrolled in Medicare Part A and Part B and reside within the service area of the plan you are considering. Since 2021, individuals with end-stage renal disease (ESRD) have also been eligible to enroll in the broader Medicare Advantage plans following recent legislative changes.

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.