Medicare Annual Enrollment runs October 15th, 2023 – December 7th, 2023. Make your appointment to review and explore plan options for 2024 by calling (864) 223-8788 today!

Medicare Advantage Plan

A Medicare Advantage Plan is a health plan offered by a private insurance company that works directly with Medicare to provide you with all their traditional Part A and Part B benefits.

Medicare Advantage Plans Include:

  • Health Maintenance Organizations (HMO) Plans
  • Preferred Provider Organizations (PPO) Plans
  • Private Fee-For-Service (PFFS) Plans
  • Special Needs Plans (SNP) Plans

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Things to consider when selecting a Medicare Advantage Plan:

  • You’re still in the Original Medicare Program and have all Medicare right and protections.
  • You still get complete Part A and Part B coverage through the plan.
  • You are only enrolled in a plan for 1 year and you can only join a plan at certain times during the year.
  • You can join a Medicare Advantage Plan even if you have a pre-existing condition.
  • The only exception is End-stage Renal Disease (ESRD).
  • You must follow plan rules. If you go to a doctor, other health care provider, facility, or supplier that doesn’t belong to the plan’s network, your services may not be covered, or your cost may be higher. You should always verify coverage with your plan before you receive any service or schedule an appointment with a referred specialist to make sure they are covered by the plan’s network.
  • A number of Medicare Advantage plans are all-inclusive plans meaning, they also include prescription drug coverage. To ensure it is the right plan for you always review the drug formulary.
  • If you join a clinical research study, some costs may be covered by your plan. Contact the plan administrators for more information.
  • Medicare Advantage Plans can’t charge more than Original Medicare for certain services like chemotherapy, dialysis, or skilled nursing facility care.
  • Medicare Advantage Plans offer an annual cap on how much you pay for Part A and Part B services during the year. This annual maximum out-of-pocket amount can be different between advantage plans. 
  • If the plan decides to stop participating in Medicare, you will have to join another Medicare Health Plan or return to Original Medicare.

Medicare is a complex program and as a result, many senior citizens need answers. While there are no “one size fits all” answers, the team at David A. Crotts & Associates has a large network of carriers, and we will partner with you to recommend broad coverage at a reasonable premium.

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*Source: Medicare.GOV, A Federal Government Website Managed By the Centers For Medicare & Medicaid Services

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You may also call (864) 223-8788 to speak to an agent. Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state. 

"Just a thank you to Mitzi Randall for her great help with Edgefield Ambulance Service billing mistakes. Two minutes on the phone with her and she saved me hundreds of dollars and hours on the phone with them and United Health. P.S. Get her a bigger voicemail box and a raise!"

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Correll Insurance Group offers the best of both worlds—you get to use a local, independent agent who lives in your town and knows you personally, but this agent is backed by a strong, national firm that has served the Southeast for nearly 90 years. So you don’t have to choose between having a personal relationship with your agent and knowing they have access to world renowned markets. You’ll get both with Correll.


David A Crotts & Associates is a member of Correll Insurance Group and works to bring you coverage that best fits your needs. Visit our corporate site to learn more.

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