How to Choose a Medicare Advantage Plan That’s Right for You
If you're eligible for Medicare, deciding between Original Medicare and a Medicare Advantage Plan is one of the most important health decisions you'll make. With so many Medicare Advantage plans available, how do you know which one is the right fit for your health care needs and budget? At Andrews Insurance Agency in Heavener, Oklahoma, we’re here to help you choose the best Medicare Advantage plan with confidence.
Choosing a Medicare Advantage Plan
When it’s time to choose a Medicare Advantage plan, you’re selecting a comprehensive health insurance plan approved by Medicare that combines Medicare Parts A and B—and often includes prescription drug coverage. These Part C plans are an alternative to Original Medicare and may offer additional health coverage like dental, vision, and hearing.
What to Know About Medicare Advantage Plans
There are several factors to consider when choosing a Medicare Advantage Plan:
Premium: Monthly plan costs vary, and many plans offer $0 premiums—but be sure to factor in copays and the deductible.
Star Rating: The Centers for Medicare & Medicaid Services rates plans from 1 to 5 stars based on quality. A higher star rating often means better service and fewer issues.
Plan Type: Options include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Special Needs Plans (SNP). The plan type affects your network and referrals.
Drug Coverage: Most Medicare Advantage plans include a prescription drug plan, but always verify the plan coverage includes the prescription drug needs for your situation.
Provider Network: Check whether your preferred provider or health care provider accepts Medicare and is in-network.
Original Medicare vs. Medicare Advantage
Many people switch from Original Medicare to a Medicare Advantage health plan because they want coverage options that go beyond what’s provided by Original Medicare. While Original Medicare covers hospital and doctor services, Medicare Advantage plans offer additional services bundled in one insurance plan. However, the plan you choose may affect your doctor and pharmacy choices.
Choose the Best Medicare Advantage Plan for Your Needs
To choose the best Medicare plan, take time to compare the plan choices available in your area:
Look at plans available by using tools to find Medicare Advantage plans that align with your health care needs
Compare benefits, deductible, premium, and drug coverage
Confirm that the plan you’re considering offers access to your health care provider
Review the star rating and benefits for each option
At Andrews Insurance Agency, we offer additional help to evaluate all Part C options and walk you through comparing Medicare Advantage plans step-by-step. We also help you enroll in a Medicare Advantage plan that’s a perfect fit.
Enrollment and Timelines
You can enroll in Medicare during your initial enrollment period, the open enrollment period, or a special enrollment period. Timing matters—missing a window can delay your Medicare coverage. If you're unsure when or how to sign up for Medicare, we can guide you through every step.
Need help enrolling in a Medicare Advantage Plan? Our licensed agents will ensure your paperwork is accurate, submitted on time, and meets Medicare’s requirements.
Risk-Free Guidance From Your Local Experts
At Andrews Insurance Agency, we understand that choosing a Medicare plan is a big decision—and you don’t have to make it alone. We remove the guesswork and risk by:
Offering clear comparisons of Medicare Advantage Plan options
Explaining your Medicare enrollment timeline and helping you avoid penalties
Reviewing your health plan needs, including prescription drug coverage
Working with plans approved by Medicare and suited to your goals
Our service is free, pressure-free, and personalized to your needs. We’ll help you choose a Medicare Advantage plan that saves money and matches your lifestyle.
Ready to Get Started?
Call (918) 653-7707 to speak with one of our licensed Medicare experts, or stop by Andrews Insurance Agency in Heavener, OK. Let’s get Medicare working for you—starting today.