Medicare Advantage Plans - Michigan

Medicare Advantage Plans - Michigan


Medicare Advantage is a health insurance program within Part C of Medicare. Medicare Advantage plans provide a managed care plan such as a health maintenance organization (HMO) as well as a preferred provider organization (PPO). People interested in Medicare Advantage plans must first sign up for both Parts A and B of Medicare. All three of these Parts of Medicare A, B and C are administered by private insurance companies.

Medicare Part A provides payments for in-patient hospital, hospice and skilled nursing services, excluding those of physicians and surgeons. Part B provides payments to physicians and surgeons in hospitals and skilled nursing facilities, as well as for medically necessary outpatient hospital services such as ER, laboratory, X-rays and diagnostic tests, certain preventative medical services, and certain durable medical equipment and supplies. Part C health plans, including Medicare Advantage plans, not only cover the same medical services as Parts A and B but also typically include an annual physical exam and vision and/or dental coverage of some sort not covered under Original Medicare. Less often, hearing and wellness benefits not found in Original Medicare are included in a Medicare Advantage plan. The most important difference between a Part C health plan and Original Medicare is that all Part C plans include a limit on how much a beneficiary will have to spend annually out of pocket; that amount is unlimited in Original Medicare.

D. E. Irwin Insurance Agency serves all of Michigan and will help you select the Medicare Advantage, Medicare Supplement (Medigap) or Prescription Drug plan that provides you the most value.  Please call (248) 481-8214 to schedule your personal consultation. 


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