Medicare Advantage Plans
All-in-one Medicare coverage with extra benefits — serving West Palm Beach and Palm Beach County, FL
Medicare Advantage (Part C) plans are an alternative to Original Medicare offered by private insurance companies approved by Medicare. These plans bundle Part A (hospital), Part B (medical), and often Part D (prescription drugs) into one convenient plan — and many include extra benefits Original Medicare does not cover.
Extra Benefits Beyond Original Medicare
Many Medicare Advantage plans include benefits Original Medicare does not cover.
Medicare Advantage Plan Types
HMO (Health Maintenance Organization)
Lower premiums with a network of doctors and hospitals. Requires a primary care physician and referrals for specialists. Most cost-effective option for those who stay in-network.
- Low or $0 monthly premium
- Low copays for in-network care
- Coordinated care through PCP
PPO (Preferred Provider Organization)
More flexibility to see any doctor or specialist without a referral. Out-of-network care is covered at a higher cost.
- No referrals needed
- See any Medicare-approved provider
- Out-of-network coverage available
PFFS (Private Fee-for-Service)
Allows you to see any Medicare-approved provider who accepts the plan's payment terms. No network restrictions.
- Maximum provider flexibility
- No primary care requirement
- Simple plan structure
Special Needs Plans (SNP)
Tailored for people with specific diseases, conditions, or characteristics such as dual Medicare/Medicaid eligibility.
- Specialized care coordination
- Targeted benefits for your condition
- May include Medicaid benefits
Medicare Enrollment Periods
Initial Enrollment Period
7-month window around your 65th birthday (3 months before, the month of, and 3 months after).
Annual Enrollment Period (AEP)
October 15 – December 7 each year. Switch, join, or drop a Medicare Advantage plan.
Medicare Advantage Open Enrollment
January 1 – March 31. Switch Medicare Advantage plans or return to Original Medicare.
Special Enrollment Periods
Triggered by qualifying life events such as moving, losing other coverage, or qualifying for Extra Help.
Medicare Advantage Carriers We Work With
We do not offer every Medicare plan available in your area. Any information we provide is limited to those plans we offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Compare Medicare Advantage Plans in Palm Beach County
Call 1-561-688-7300 for a free, no-obligation Medicare plan review. Our licensed advisors will help you compare plans and find the right coverage for your health needs and budget.