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affordable and flexible options.
Medicare Advantage Plan
affordable and flexible Medicare Advantage plan options.
Advantage Plans (Part C)
affordable and flexible options.
A Medicare Advantage Plan (Part C) is a private insurance alternative to Original Medicare. It combines hospital (Part A) and medical (Part B) coverage into one plan — often with added perks like prescription drugs, dental, vision, and hearing.Â
You must first have Original Medicare to enroll. While you’ll still pay your Part B premium, many Advantage plans offer low or $0 monthly costs, depending on the carrier and your location.Â
One plan. More benefits. Less confusion.Â
What Do Medicare Advantage Plans Cover?
Medicare Advantage Plans covers everything included in Original Medicare (Parts A & B) — like hospital care, doctor visits, outpatient services, and preventive care. But most plans offer more.Â
Depending on your ZIP code and the insurance company, a Medicare Advantage plan may also include:Â
- Prescription drug coverage (Part D)Â
- Routine dental, vision, and hearing benefitsÂ
- Transportation to medical appointmentsÂ
- Fitness programs like SilverSneakersÂ
Because benefits can vary widely, it’s important to compare plans available in your area to find the right fit for your health needs and budget.Â
HMO
You’ll need to choose a primary care doctor and get referrals for specialists. Most care must be in-network, but these plans usually have lower costs.
PPO
Offers more flexibility with providers. You can see doctors in- or out-of-network without referrals, though out-of-network care typically costs more.Â
PFFS
These plans let you see any Medicare-approved doctor who agrees to the plan’s payment terms. No need to choose a primary doctor, but providers must accept the plan.
SNP
Designed for people with chronic conditions, those in nursing homes, or individuals eligible for both Medicare and Medi-Cal. These plans include tailored benefits and care coordination.
Initial Enrollment Period (IEP)Â
This 7-month window starts 3 months before your 65th birthday, includes your birth month, and ends 3 months after. It’s your first chance to join a Medicare Advantage plan if you’re eligible for Parts A and B
Annual Election Period (AEP): October 15 – December 7Â
This is the main time each year to enroll in, drop, or switch Medicare Advantage or Part D plans. Changes take effect on January 1 of the following year.Â
Medicare Advantage Open Enrollment: January 1 – March 31Â
If you’re already in a Medicare Advantage plan, you can switch to a different plan or go back to Original Medicare during this time.Â
Special Enrollment Periods (SEPs)Â
Certain life events—like moving, losing other coverage, or qualifying for Medicaid—may let you make plan changes outside the standard periods.Â
Knowing your enrollment window can help you avoid delays, late penalties, or gaps in coverage.Â
We make the process simple and fast
Choosing a healthcare plan can be overwhelming; we simplify the process for you
We customize health coverage to your needs
We tailor your healthcare options to your unique needs and budget
We offer flexible and affordable coverage options
With our carrier network, you have access to a variety of affordable health insurance plans
We are committed to excellence in what we do
We serve our clients with professionalism, integrity and great care
We do the shopping and you do the saving!
As an independent health insurance broker, we represent multiple insurance companies and coverage options.
An insurance company generally offers a commission to Skyline Benefit as an independent broker.Â
You pay the same price for coverage whether you work with Skyline Benefit or buy it on your own. You pay NOTHING for our services.Â
Whether you need a health insurance broker depends on how comfortable you are with health insurance shopping through Covered California. Confusion about health insurance can cost a lot of money and stress.Â
Skyline Benefit wants to be your trusted Covered California advisor when it comes to your healthcare shopping.
Skyline Benefit understands that the confidentiality, integrity and availability of data is vital to our clients.
We have therefore implemented data security procedures. You can refer to our Privacy Policy and Terms of Agreements.
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