Medicare Advantage insurance solutions

No. Premiums vary by plan, and whatever the plan premium is, you still pay your Part B premium to Medicare, plus copays and coinsurance as you use the plan, up to the plan's maximum out-of-pocket. What actually decides your cost for the year is whether your doctors are in network and how your prescriptions are priced.

It replaces how your benefits are delivered, not your enrollment. You stay enrolled in Medicare and keep paying your Part B premium; the plan then administers your Part A and Part B benefits in place of Original Medicare, usually adding drug coverage.

That is why the Part B premium still appears on your Social Security statement, separate from whatever premium the plan itself charges. Premiums vary by plan.

Networks can change during the plan year, and that on its own does not open a window to switch plans. You would either move to another in-network provider or pay the out-of-network share, which on an HMO can mean the full cost.

This is the main reason to check every one of your providers before enrolling rather than after — and to re-check each autumn, because a network that worked this year may not next year.

There are specific windows. The Medicare Advantage Open Enrollment Period runs 1 January to 31 March and lets someone already in an Advantage plan make one change. Annual Enrollment, 15 October to 7 December, lets anyone change for the following year.

Moving back to Original Medicare with a Medigap plan is the harder direction, because outside your one-time Medigap open enrollment window a Supplement can ask health questions. That is worth understanding before the first enrollment, not after.

Nothing. Carriers pay a commission when a plan is issued, and that commission is already built into the plan price whether you use an agent or not.

Buying the same plan on your own does not make it cheaper — it just means nobody checked your doctors and prescriptions first, and nobody picks up the phone in March when something goes wrong.

No, and no agency does. We are independent, which means we compare across the carriers listed on this site rather than representing a single one — but that is not the same as offering every plan on the market.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.

Sarah Wood Rodriquez, licensed since 2009 — over 17 years — and licensed in Utah, Arizona, Idaho. NPN 14943086.

The person who answers the phone is the person who reviews your plan. There is no call center and no handing you between departments.

Call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) or book a call. The first conversation usually runs twenty to thirty minutes and there is nothing to sign.

Bring your prescription list and your doctors’ names — with those, the comparison can be a real one rather than a generic one.