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Medicare Advantage comes with or without a Prescription Drug Plan, (PDP,) and is either a Health Management Organization, (HMO,) or a Preferred Provider Organization, (PPO,) or a Medical Savings Account, (MSA.)
These plans, as well as Medicare Supplements and Cost Plans, are all private insurance with a Medicare contract.
A Special Needs Plan, (SNP's) has a contract with State Medicaid programs in addition to a Medicare contract with the Federal government.
Enrollment depends on contract renewal. Plan features and availability may vary by service area.
See the "Evidence of Coverage" for a complete description of any plan's benefits, exclusions, limitations, and conditions of coverage.
PlanEnroll 5-3-1 is the process by which an Adamsson Associate independently researches the 40 to 50 plan options that may be available and visually displays the top 5 choices, based on client responses in the Discovery Call interview.
The client eliminates 2 of the 5 choices, and a more granular study and comparison is performed on the remaining 3, considering Rx costs, preferred pharmacy, durable medical equipment vendors, chronic conditions, lifestyle.
Two more choices are then eliminated, leaving the right Medicare plan for the client, at the time. PlanEnroll 5-3-1 is a visual process of elimination that consumers seem to appreciate.
Here are a few comments from our existing clients.