Medicare Advantage in Lake St. Louis, MO
Medicare Advantage, also known as Medicare Part C, is a type of Medicare-approved health plan offered by private insurance companies that contract with Medicare
These plans provide an alternative to Original Medicare and bundle your coverage, typically including:
- Part A (Hospital Insurance)
- Part B (Medical Insurance)
- Part D (Prescription Drug Coverage)
Medicare Advantage Plans must cover all services that Original Medicare covers, except hospice care, which remains covered under Original Medicare.
Many plans also offer additional benefits not included in Original Medicare, such as:
- Vision
- Hearing
- Dental care
- Fitness programs (e.g., gym memberships)
Key Features of Medicare Advantage Plans
- Network-based care: Most plans require you to use doctors and hospitals within the plan’s network for non-emergency care.
- Cost structure: Plans may have different out-of-pocket costs and may charge an additional monthly premium on top of the standard Part B premium.
Annual out-of-pocket limit: Unlike Original Medicare, Medicare Advantage plans have a yearly cap on what you pay for covered services.
Referrals and authorizations: Some plans may require referrals to see specialists or prior authorization for certain services
To enroll in a Medicare Advantage Plan, you must:
- Be enrolled in both Medicare Part A and Part B.
- Live in the plan’s service area.
At Harper Insurance & Benefits, we help you explore Medicare Advantage options that are:
- Clear – We break down your choices in simple terms so you can make informed decisions.
- Customized – We match you with plans that fit your health needs, lifestyle, and budget.
- Cost-Saving – Many Medicare Advantage plans offer low or $0 premiums, with out-of-pocket limits to protect your finances.
- Comprehensive – Enjoy coverage that goes beyond Original Medicare, including preventive care and extra benefits.
Whether you’re turning 65 or reviewing your current coverage, our team is here to guide you through the process with compassion and expertise. We work with top-rated carriers to find the right plan for you—so you can enjoy peace of mind and better health.
Contact Harper Insurance & Benefits today for a personalized consultation. We’ll help you compare plans, understand your benefits, and find coverage that fits your lifestyle and budget.