Medicare Advantage Plans in Philadelphia and Our 12-State Service Area
Medicare Advantage plans—also called Part C—are an all-in-one way to get your Medicare Part A and Part B benefits through a private insurance company. As your local Medicare insurance broker in Philadelphia, The Medicare Mensch compares Medicare Advantage plans from top carriers in Pennsylvania, New Jersey, Delaware, and the other states we serve, helping you choose the right fit for your doctors, prescriptions, and budget.
What a Medicare Advantage Plan Includes
Medicare Advantage plans cover everything Original Medicare does, and many include extras like prescription drug coverage (MAPD), dental, vision, hearing, and even gym memberships. Some plans in the Philadelphia area offer perks such as transportation to medical appointments or over-the-counter allowances.
Different Types of Medicare Advantage Plans
We help you understand the choices so you can pick the right structure:
01.
HMO (Health Maintenance Organization)
Lower costs, but you typically need to use a network of local doctors.
02.
PPO (Preferred Provider Organization)
More flexibility to see out-of-network providers, often at a higher cost.
03.
PFFS (Private Fee-for-Service)
Lets you see any Medicare-approved provider who accepts the plan’s terms.
04.
Special Needs Plans (SNP)
Tailored for people with specific conditions or situations.
Comparing Medicare Advantage and Medigap
Medicare Advantage combines your coverage into one plan, usually with lower premiums but co-pays for services and provider network rules. Medigap offers more freedom to see any Medicare provider but comes with higher monthly premiums. We’ll walk you through the pros and cons of each so you can decide with confidence.
Common Questions We Hear
Do I still pay my Part B premium?
Yes—Medicare Advantage is in addition to your Part B premium.
Can I change plans?
Yes—during the Annual Enrollment Period (Oct 15–Dec 7) and sometimes during Special Enrollment.
What is a flex card?
Some plans offer a prepaid card for eligible expenses like dental or vision care. Not every plan has this feature, so we’ll explain which do.
Let’s Find the Right Medicare Advantage Plan for You
Schedule your free consultation today to compare Medicare Advantage plans in your area. We’ll help you understand your options, review your providers and prescriptions, and make enrollment simple.