Medicare
Medicare Advantage (Part C)
One card, a network, and a yearly ceiling on what you can lose.
A Medicare Advantage plan is private insurance that takes over delivering your Medicare benefits. It must cover at least what Original Medicare covers, and it usually bundles prescriptions plus extras — dental, vision, hearing, fitness — into a single plan with a low or zero monthly premium.
The trade is access. Advantage plans work through networks and may require referrals or prior authorization. In exchange you get something Original Medicare does not have at all: a hard annual limit on your out-of-pocket costs.
What gets bundled in
One card instead of three, and a ceiling Original Medicare does not have.
Lengths show how much of your care each piece accounts for, not value or cost. The last row is the constraint, not a benefit — check your own doctors against the network before anything else.
This is probably you if…
- Your doctors are already in the plan's network and you intend to stay local
- A low monthly premium matters more to you than an unrestricted choice of provider
- You want prescriptions, dental and vision bundled into one plan and one card
- You are comfortable reviewing the plan every year, because the details change
What this includes
The scope of work, in plain terms.
Your doctors, checked
Every physician you intend to keep, run against the plan's network before you enrol — not after.
The out-of-pocket ceiling
Every Advantage plan has an annual maximum. It varies a great deal between plans, and it is the number worth comparing.
What the extras are worth
Bundled dental and vision benefits differ enormously in what they actually pay. We read the limits, not the brochure.
Reviewed every fall
Networks and formularies are set annually. A plan that fit you this year may not next year, and the window to move is short.
Want your doctors and prescriptions checked against the plans here?
Alan Trotsky
Alan Trotsky has been a financial professional for over 40 years. Prior to entering the insurance industry, Alan worked as a CPA serving clients with tax and financial planning. He also has experience providing consulting services to numerous businesses in various industries.
What to expect
- 01 A conversation What coverage you have now, whether you are still working, and when your window opens. Nothing to prepare and nothing to sign.
- 02 Your doctors and your prescriptions We check your prescriptions and your doctors against the plans available where you live. This is the step most people skip and most regret skipping.
- 03 Options side by side You see the real trade-offs between the paths open to you, including the ones that are hard to reverse later. Then you decide.
- 04 Every fall, we look again Plans change their formularies and networks each year. We review yours before the December deadline, whether or not anything changes.
Talk it through with Alan
True wealth is more than money.
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