Compare Medicare Advantage Plans with Local, Face-to-Face Help
Medicare Advantage plans (Part C) are popular across Central Virginia because they bundle medical, hospital, and often prescription coverage into one plan. But picking the right plan can be tricky. We help people in Richmond, Midlothian, Chesterfield, and nearby areas sort through the details, compare plans side by side, and choose coverage that fits — all through relaxed, in-person appointments.
What Is Medicare Advantage?
Medicare Advantage plans are offered by private insurance companies as an alternative to Original Medicare. These plans must cover everything Medicare Part A and B do — and many also include Part D prescription drug coverage, plus extras like dental, vision, hearing, over-the-counter benefits, and fitness perks.
You’ll still be enrolled in Medicare, but your coverage will come from the private plan you choose
What These Plans Typically Include
- Hospital & medical coverage (Parts A & B)
- Prescription drug coverage (many plans include Part D)
- Extra benefits like dental, vision, hearing & gym memberships
- An out-of-pocket maximum — which Original Medicare doesn’t have
Some plans even offer $0 monthly premiums, depending on your ZIP code and eligibility. We’ll help you review what’s available where you live.
Things to Consider with Medicare Advantage
While these plans can offer great value, they’re not one-size-fits-all. We help you think through the details that matter most, like:
- Are your doctors in-network?
- Are your prescriptions covered and affordable?
- Do you travel often and need nationwide access?
- How much are copays for regular visits, labs, or specialists?
Some plans work like HMOs (with a primary doctor and referrals), while others are PPOs with more flexibility. We’ll explain the differences and walk you through the fine print.
Our Process
We sit down with you in person — no call centers, no high-pressure pitches — and look at the Medicare Advantage plans available in your area. We represent multiple carriers and can compare real options based on your needs, not what’s easiest to sell.
Whether you’re new to Medicare or just exploring a change during Annual Enrollment (Oct 15 – Dec 7), we’ll guide you every step of the way.
Areas We Serve
We help clients across Central Virginia compare Medicare Advantage plans, including folks in:
Midlothian, Chesterfield, Richmond, Bon Air, Powhatan, Short Pump, Goochland, and nearby communities.
Let’s Review Your Medicare Advantage Options
Book a one-on-one meeting with us to go over plans, ask questions, and get honest answers. We’ll help you understand your choices and feel confident about your coverage.
Medicare Advantage FAQs
What’s included in a Medicare Advantage plan?
Most Medicare Advantage plans cover everything Original Medicare does — plus extras like prescription drugs, dental, vision, hearing, and even gym memberships. Coverage and benefits vary by plan, so we’ll help you compare what’s available where you live.
Do Medicare Advantage plans have networks?
Yes, most do. Some are HMOs, which require you to use doctors in the plan’s network. Others are PPOs, which offer more flexibility. We’ll help you check if your doctors and specialists are included.
How much do these plans cost?
Many Medicare Advantage plans have low or even $0 monthly premiums. But you may still have copays for doctor visits, prescriptions, and hospital stays. We’ll walk you through the full picture so there are no surprises.
Can I switch plans later?
Yes — you can switch Medicare Advantage plans each year during the Annual Enrollment Period (Oct 15–Dec 7). You may also qualify for a Special Enrollment Period if your situation changes.
Will I lose Medicare if I join a Medicare Advantage plan?
No — you’re still in the Medicare program. Your coverage just comes through the private Advantage plan you choose, rather than directly from the federal government.
