Medicare Advantage

Medicare Advantage

Includes all the coverage of Original Medicare, with extra benefits as well, such as dental coverage, vision coverage, and often coverage for a gym membership.

Before choosing a plan make sure you know:

Your Budget

We have plans with premiums starting as low as $0 month.

Will you be able to keep your current doctor?

Maybe. It depends on whether or not your current doctor is in the plan’s network of providers. Let’s check.

If your plan will cover providers that aren’t in-network.

Many advantage plans will offer services in these areas depending on your location.

Which hospitals, specialists and pharmacies are a part of the plan’s network.

These plans vary by zip code. Would you like to keep your existing healthcare facilities?

Associated costs, such as deductibles, copays, coinsurance, etc.

You will find that many of the plans are differentiated by deductibles, copays, and coinsurance. What will best fit your needs?


The standard Part B premium amount in 2024 is $174.70. Most people pay the standard Part B premium amount. If your modified adjusted gross income as reported on your IRS tax return from 2 years ago (2022) is above a certain amount, you'll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.

If your yearly income in 2022 (for what you pay in 2024) was

File Individual Tax Return File Joint Tax Return File Married & Separate Tax Return You Pay Each Month (In 2024)
$103,000 or less
$206,000 or less
$103,000 or less
Above $103,000 up to $129,000
Above $206,000 up to $258,000
Above $129,000 up to $161,000
Above $258,000 up to $322,000
Above $161,000 up to $193,000
Above $322,000 up to $386,000
Above $193,000 and less than $500,000
Above $386,000 and less than $750,000
Above $103,000 and less than $397,000
$5000,000 or above
$750,000 and above
$397,000 and above

Late enrollment penalty:

In most cases, if you don't sign up for Part B when you're first eligible, you'll have to pay a late enrollment penalty. You'll have to pay this penalty for as long as you have Part B. Your monthly premium for Part B may go up 10% of the standard premium for each full 12-month period that you could have had Part B, but didn't sign up for it. Also, you may have to wait until the General Enrollment Period (from January 1 to March 31) to enroll in Part B. Coverage will start July 1 of that year.

Part B deductible & coinsurance

In 2024, you pay $240 for your Part B deductible. After you meet your deductible for the year, you typically pay 20% of the Medicare-Approved Amount for these:

  • Most doctor services (including most doctor services while you're a hospital inpatient)
  • Outpatient therapy
  • Durable Medical Equipment (DME)

Trying to make sense of Medicare? Let us help, we’re not your typical agents.