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What is Medicare Advantage?
Medicare Advantage, also called Medicare Part C, is a way to get your Medicare benefits through a private insurance company approved by Medicare. These plans cover everything Original Medicare (Part A and Part B) covers, and many plans include more.
- Hospital coverage (Part A) and medical coverage (Part B)
- Many plans include prescription drug coverage (Part D)
- Some plans offer extra benefits such as dental, vision or hearing
- A yearly limit on what you pay out of pocket for covered services
Benefits, costs and provider networks vary by plan and location.
Important enrollment periods
Initial Enrollment
A 7-month window around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
Annual Enrollment
October 15 – December 7 each year. You can join, switch or drop a Medicare Advantage plan for the next year.
Medicare Advantage Open Enrollment
January 1 – March 31. If you are already in a Medicare Advantage plan, you can switch plans or return to Original Medicare.
Special Enrollment Periods may apply if you move, lose other coverage or have certain life changes.
How we help
Plain-language answers
We explain how Medicare Advantage works compared with Original Medicare, without jargon.
Review your needs
We look at your doctors, prescriptions and budget so you can see which options may fit.
No pressure
You decide. Our job is to help you understand your options and make an informed choice.
Please note: To be eligible for a Medicare Advantage plan you must have Medicare Part A and Part B and live in the plan's service area. Encore Financial Services LLC is not connected with or endorsed by the U.S. government or the federal Medicare program.
Common questions
Is Medicare Advantage the same as Original Medicare?
No. Original Medicare is run by the federal government. Medicare Advantage plans are offered by private companies approved by Medicare and must cover everything Original Medicare covers.
Can I keep my doctor?
Many Medicare Advantage plans use provider networks. We can help you check whether your doctors are in a plan's network before you decide.
Does it cost anything to talk with you?
No. A consultation with our team is free, and there is no obligation to enroll.
Have Medicare questions?
Request a call and a member of our team will reach out during business hours to answer your questions.
Prefer to talk?
(502) 767-5906Business hours
Monday – Friday: 9:00 AM – 5:00 PM
Request a call
No cost, no obligation.
Medicare disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), or your local State Health Insurance Program (SHIP) to get information on all of your options.
Encore Financial Services LLC is not connected with or endorsed by the U.S. government or the federal Medicare program.