Medicare Advantage Insurance Plans Omaha, Nebraska

can’t afford supplement insurance?

You may find that your Original Medicare benefits are lacking but can’t afford a Medicare Supplement Insurance plan to cover your out-of-pocket expenses. There is another choice available for you. It’s Medicare Advantage (Part C Plans), and at Omaha Insurance Solutions we can help you choose the right plan for you and your loved ones.

Medicare Advantage plans in Omaha, Nebraska, and surrounding areas like Bellevue and Council Bluffs, are offered by private health insurers and provide Medicare Part A and Part B coverage (hospital and medical benefits). You’ll receive everything that Original Medicare covers, including emergency and urgent care. But how much you pay out of your own pocket when you receive health care can differ. For instance, you may have lower copayments and coinsurance or a smaller deductible.

In addition, there may be differences in the coverage you receive. Some Medicare Advantage plans in our hometown of Omaha, Nebraska may assist on maximizing your healthcare needs. Many Medicare Advantage plans also include Medicare Part D prescription drug coverage as part of the plan. Note that hospice care is covered by Original Medicare, and hospice benefits continue to be covered by Original Medicare even if you have Medicare Advantage in Nebraska or anywhere in the United States.

Please be aware that you must remain enrolled in Original Medicare even if you add a Medicare Advantage plan, and continue to pay your Medicare Part B premium. However, if you join a Medicare Advantage plan, you won’t need and can’t be sold a Medicare Supplement Insurance plan.

Medicare Advantage plans cover everything that Original Medicare does, and may assist on maximizing your healthcare needs. You can also choose particular plans tailored to your own individual needs. If a plan offers coverage for a specific treatment, it might be perfect for you and greatly reduce the total amount you have to pay for healthcare. In addition, you have the flexibility in being able to switch plans each year, which can result in lower out of pocket costs.

At Omaha Insurance Solutions, we’ll help you take a close look at the available Medicare Advantage Insurance plans in Omaha, Nebraska, and assist you in deciding whether they’re the best choice to meet your healthcare needs.

how it works

Like millions of beneficiaries retiring, you’re looking at how to finance your healthcare needs and Medicare Advantage plans might work for you. You’re eligible for Original Medicare coverage, which covers many important healthcare services, including hospital stays, doctor visits, and prescription drugs. But there is also another option that most retirees can select: A Medicare Advantage plan, also referred to as Medicare Part C.

Medicare Advantage plans cover the same services as traditional Medicare, but the way in which the plans work is slightly different from what is covered under Medicare’s regular Part A and Part B. With Medicare Advantage Insurance plans in Omaha, Nebraska the insurance company basically agrees to provide all of the ordinary benefits under Part A hospital and inpatient coverage and Part B outpatient care, and in exchange, you may pay additional cost to the insurer in addition to what you pay Medicare directly for regular Part A and Part B premiums.

There are different types of Medicare Advantage plans available from various healthcare providers including HMOs, PPOs, and fee-for-service plans. Often, Medicare Advantage plans offer prescription drug coverage as part of their overall insurance package. If a particular plan doesn’t have drug coverage, though, you can use Medicare Part D to cover prescription costs.

selecting a plan

When you decide to go for Medicare Advantage enrollment, you’re choosing an alternative way to obtain your Medicare coverage. You’ll receive your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) benefits from the Medicare Advantage plan, not Original Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private insurance companies approved by Medicare.

There are several different types of available Medicare Advantage plans in Nebraska. Omaha Insurance Solutions is happy to discuss each with you and help you select the plan that will suit you:

You can see the doctors and other health professionals participating in the plan network.

Covers both in- and out-of-network providers, giving you the freedom to choose any doctor, which can work if you prefer that kind of flexibility. You’ll pay more for out-of-network providers.

Similar to how Original Medicare works, the PFFS plan typically allows you to go to any doctor, other health care provider, or hospital as long as they agree to treat you. The plan determines how much it will pay doctors, other healthcare providers, and hospitals, and how much you must pay when you get care.

Focused on those with special needs, there are three SNP plans: Medicare beneficiaries living in institutions, those who are dual-eligible for Medicaid and Medicare, and those with chronic conditions. This type of plan always includes prescription drug coverage.

Covers both in- and out-of-network health services, but at different rates. You pay less out of pocket when you go to in-network doctors, labs, hospitals, and other healthcare providers.

Includes both a high deductible and a bank account to help you pay that deductible. The amount deposited into the account varies from one plan to the next. The money is tax-free as long as it’s used for IRS-qualified medical expenses, which include the health plan’s deductible.