Medicare Advantage Plans

Medicare Advantage (Part C) plans are offered by private insurance companies approved by Medicare. They provide your Part A and Part B coverage, and most include Part D drug coverage. Many have lower monthly premiums than a Medigap policy plus a drug plan. In exchange, they usually use provider networks and charge copays as you use care. Wellcovered Insurance, a licensed independent agency in Orange City, can compare the plans we represent in your county.

We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Wellcovered Insurance is an independent insurance agency located at 301 N Volusia Ave, Orange City, FL 32763. We are not connected with or endorsed by the U.S. government or the federal Medicare program.

How Medicare Advantage works

• You must have Medicare Part A and Part B, and you keep paying your Part B premium.
• The plan, not Original Medicare, pays your covered claims.
• Plans have an annual out-of-pocket limit for covered Part A and B services.
• Many plans include drug coverage. Some include extra benefits that vary by plan.
• Plan types include HMO and PPO. HMOs generally require in-network doctors; PPOs allow out-of-network care at a higher cost.

(Source: Medicare.gov, Parts of Medicare)

Medicare Advantage vs. Original Medicare + Medigap

	Medicare Advantage	Original Medicare + Medigap + Part D
Who runs it	Private, Medicare-approved insurer	Federal government (A/B) + private Medigap and Part D insurers
Doctors	Usually a network	Any provider in the U.S. that accepts Medicare
Monthly premiums	Often lower	Usually higher (Medigap + Part D premiums)
Costs when you use care	Copays/coinsurance up to an annual limit	Depends on the Medigap plan; often low and predictable
Prior authorization	Common for some services	Generally limited under Original Medicare

Things Florida residents should check

• Seasonal travel: if you spend part of the year out of state, check how the plan covers out-of-network or non-emergency care while you are away.
• Your doctors and hospitals: confirm they are in the plan’s network for the coming year. Networks can change.
• Switching back later: if you leave Original Medicare for Medicare Advantage and later want a Medigap policy, outside of certain guaranteed issue situations the Medigap company may use medical underwriting. (Source: Medicare.gov)

When you can join or switch

• Initial Enrollment Period when you first get Medicare
• October 15 – December 7 (coverage starts January 1)
• January 1 – March 31, if you are already in a Medicare Advantage plan
• Special Enrollment Periods for qualifying events

(Source: Medicare.gov, Joining a plan)

How we help

We review your doctors, prescriptions, and budget, and compare the Medicare Advantage plans we represent. You decide; there is no obligation to enroll.

Free counseling is also available

Want a second opinion at no cost? Florida’s State Health Insurance Assistance Program, SHINE, offers free Medicare counseling at floridashine.org. You can also compare all plans at Medicare.gov.

Talk with a licensed agent

Contact our office or request a review online. There is no obligation to enroll. You can also review every plan in your area at Medicare.gov or by calling 1-800-MEDICARE.

Last updated: November 3, 2026.