Medicare Advantage Plans Information—Your Guide to Part C Options
Understanding Part C—All-in-One Medicare Coverage With Extra Benefits
Medicare Advantage (MA) plans, also known as Part C, are private insurance alternatives to Original Medicare. Offered by major insurers, MA plans include all Part A and Part B benefits, and often add extras like dental, vision, hearing, gym memberships, and prescription drug coverage. Most MA plans have low or $0 premiums, but clients must use provider networks and may have copays or out-of-pocket maximums.
Key Point: Clients still have Medicare—but receive all their benefits (and pay their bills) through the MA plan, not Original Medicare.
Is Medicare Advantage the Right Fit? Pros and Considerations
Advantages:
- Lower (sometimes $0) monthly premiums
- One card and one plan for all healthcare needs
- Extra benefits not included with Original Medicare
- Out-of-pocket maximums for financial protection
Considerations:
- Must use plan network of providers (HMO/PPO)
- Copays and cost-sharing can vary by service
- Plan benefits and provider networks change annually
- Annual review needed during AEP (Oct 15–Dec 7)
Tip: Choosing between Medicare Advantage and Medicare Supplement depends on budget, healthcare preferences, and local plan options. DBS helps agents and clients compare both for the best fit.
Find the Best Medicare Advantage Plan for Your Client’s County
Medicare Advantage plans are highly local—choices, provider networks, and even premiums can vary by county. DBS stays current on the top MA plans from leading carriers like Humana, Aetna, UnitedHealthcare, Blue Cross, and more in every state we serve. Our experts check preferred doctors, prescriptions, and benefits to ensure clients get the right plan for their situation and location.
Sell MA With Confidence—DBS Handles Certification, Training, and Compliance
Full-Service Model
DBS guides agents through AHIP training, carrier certifications, and annual product updates—so you’re ready for every AEP.
Referral Option
Prefer not to sell MA? Refer clients to our certified in-house specialists—DBS enrolls your clients, and you keep the relationship.
Compliance
Medicare Advantage has strict marketing and enrollment rules. DBS provides required scripts, disclaimers, and oversight, or handles enrollments directly to ensure 100% compliance—protecting you and your license.
AEP Made Easy—Streamline Enrollment and Comparisons
The Annual Election Period (AEP)—October 15 to December 7—is when most clients can join, change, or drop MA or Part D plans. DBS prepares agents for busy season with plan comparison reports, timely updates, and additional staff to manage increased volume. Stay focused on your core business while we ensure your clients are covered.
Medicare Advantage—Agent FAQs
What’s the difference between Medicare Advantage and Medicare Supplement?
MA plans bundle Medicare benefits into one plan (with added perks and networks), while Medicare Supplement (Medigap) policies fill Original Medicare gaps and offer more provider choice.
How do I know which MA plan is best for my client?
DBS analyzes local plan options, provider networks, and drug formularies—ensuring a tailored match to each client’s needs and preferences.
Do I need special certification to sell MA plans?
Yes, annual AHIP training and carrier certifications are required. DBS guides agents through every step, or you can refer clients for us to enroll.
How does DBS ensure compliance?
We provide up-to-date scripts, forms (like Scope of Appointment), and monitoring—or handle enrollments directly, keeping you within CMS rules.
What if my client wants to change plans next year?
The AEP window each fall allows plan changes. DBS supports agents and clients through annual reviews and transitions.