Medicare Advantage Plans With Local Guidance From BIGS
What is Medicare Advantage
Medicare Advantage plans, also called Medicare Part C plans, are offered by private insurers as another way to receive your Part A and Part B benefits. Many plans also include Part D drug coverage and extras like routine dental, vision, hearing aids, fitness, and transportation. Common plan types include HMO, PPO, and SNP. HMOs usually require in-network doctors and referrals. PPOs allow more flexibility to see specialists. Special Needs Plans are designed for specific health or financial situations. Benevolent Insurance Group Services helps you compare options in your county so the details make sense for your doctors and your budget from Baltimore to the Bronx.
Benefits That Matter Day to Day
All-in-One Convenience
One member ID card for hospital, medical, and often prescriptions helps simplify care and pharmacy visits.
Extra Coverage Where You Live
Many Medicare health plans add routine dental, vision, hearing benefits, over-the-counter allowances, and wellness programs that are popular across Maryland and New York neighborhoods.
Predictable Costs
Medicare Advantage plans have a maximum out-of-pocket limit for Part A and B services. Some offer low or $0 premiums. BIGS reviews copays, authorizations, and tiered pharmacies so you know total costs near places like Silver Spring, Towson, Queens, and Yonkers.
Local Networks
Plans contract with area systems such as Johns Hopkins, MedStar, Montefiore, and Northwell. Our Medicare Advantage brokers verify your primary care and specialists before you switch so appointments stay easy to manage.
Who Should Consider Medicare Advantage
Medicare Advantage can be a good fit if you prefer coordinated care, extra benefits, and predictable costs, and you are comfortable working within a network. You must be enrolled in Parts A and B and live in the plan service area. If keeping specific doctors is your priority, we will confirm network status and pharmacies around your ZIP code. If you want to compare this route with other choices, read more about Medicare plan options and how each path works for different needs.
Our Carriers and Local Plan Variety
BIGS works with a broad portfolio that commonly includes Aetna, Humana, UnitedHealthcare, regional Blue plans, and additional carriers by county. Availability and benefits change each year, including features like insulin cost caps, dental allowances, transportation, and flex cards. We stay current on formularies and network changes for neighborhoods near the Grand Concourse, Washington Heights, and Montgomery County clinics so comparisons reflect what is actually offered where you receive care. For yearly changes and plan announcements, you can view carrier updates in our resource hub.
Enrollment and Next Steps
When to Enroll
Initial Enrollment surrounds your 65th birthday. The Annual Election Period runs October 15 to December 7 for switching plans. Medicare Advantage Open Enrollment runs January 1 to March 31 for a one-time change. Special enrollment may apply after a move, loss of employer coverage, or other qualifying events.
How We Help
BIGS prepares a side-by-side review of premiums, copays, networks, drug costs, and extras for plans in your county. Appointments are available by phone, video, or in person near Yankee Stadium and throughout Maryland communities. If you are also looking at Medigap, read about Medicare Supplement plans so you can compare nationwide provider access with predictable premiums.
Medicare Advantage Questions Answered
Can I have a Medicare Supplement and a Medicare Advantage plan together
No. You choose one path. A Medigap policy cannot be used with a Medicare Advantage plan.
Do Medicare Advantage plans replace Original Medicare
Your Part A and Part B benefits are delivered through the private plan. You are still in the Medicare program, but the plan manages your care and network.
Are Medicare Advantage plans free
Many have a $0 premium beyond your Part B premium, but services have copays or coinsurance. These plans can be very cost-effective when you use in-network providers.
What if I want to leave my Medicare Advantage plan
You can switch or return to Original Medicare during the Annual Election Period or the Medicare Advantage Open Enrollment window. BIGS can prepare comparisons and help with disenrollment and new applications.