Frontier Insurance Services | Insurance and Medicare in Andover

Additional Coverage Beyond Original Medicare

Medicare Advantage, also known as Medicare Part C, is an alternative to Original Medicare offered through private insurance companies approved by Medicare.

These plans combine your Medicare Part A and Part B coverage while often including additional benefits that Original Medicare does not typically cover.

Depending on the plan you choose, Medicare Advantage may include:

Dental coverage
Vision benefits
Hearing coverage
Prescription drug coverage
Fitness and wellness programs
Transportation or over-the-counter benefits

Every plan is different, so coverage and costs can vary based on your location, provider network, and individual plan selection.

What Does Medicare Advantage Cover?

Most Medicare Advantage plans include all the coverage provided under Original Medicare, along with additional benefits that may help reduce out-of-pocket expenses and support your overall health and wellness.

Commonly Included Benefits

Many plans may include coverage for:

Routine dental care, cleanings, dentures, and crowns
Vision exams and eyeglasses
Hearing exams and hearing aids
Doctor visits and specialist care
Inpatient and outpatient hospital services
Mental health services
Durable Medical Equipment (DME)
Prescription drug coverage

Additional Benefits Some Plans May Offer

Certain Medicare Advantage plans may also include extra wellness and support benefits such as:

Gym memberships or fitness programs
Physical or occupational therapy
Speech therapy
Telehealth services
Caregiver support resources
Transportation assistance

Because benefits vary by plan, it’s important to carefully review your options to ensure your doctors, prescriptions, and healthcare needs are covered.

Who Is Eligible for Medicare Advantage?

You may qualify for a Medicare Advantage plan if:

You are enrolled in Medicare Part A and Part B
You live in the service area of the plan
You are a U.S. citizen or lawfully present in the United States

Medicare Advantage Plans & Costs

Types of Medicare Advantage Plans

There are several different types of Medicare Advantage plans available, each with its own network rules, referral requirements, and cost structure.

HMO

Typically requires you to use doctors and hospitals within a specific network and may require referrals for specialist visits.

PPO

Offers more flexibility to see providers both in and out of network, usually without referrals.

PFFS

Allows you to visit providers who agree to accept the plan’s payment terms and conditions.

MSA Plans

Combines a high-deductible health plan with a medical savings account to help pay for qualified healthcare expenses.

Each plan works differently when it comes to provider access, referrals, and out-of-pocket costs.

Compare Your Medicare Options With Confidence

At Frontier Insurance Services, we help you compare your Medicare Advantage options and understand the pros and cons of each plan so you can make informed decisions about your healthcare coverage.

Because solving the Medicare puzzle starts with understanding your options.