Medicare Advantage plans in London KY and surrounding areas
What is Medicare Advantage?
Medicare Advantage (also called Part C) is private health coverage that replaces Original Medicare (Part A and Part B) for your Medicare benefits. These plans are offered by insurance companies approved by Medicare and often include additional benefits beyond Original Medicare.
Most Medicare Advantage plans may include:
Coverage for hospital and medical services (Medicare Part A & Part B benefits)
Prescription drug coverage (Part D) in many plans
Extra benefits that may include dental, vision, hearing, OTC allowances, fitness benefits, and more (benefits vary by plan and county)
An annual out-of-pocket maximum (limits what you pay for covered medical services in a year)
Not sure if Medicare Advantage is right for you? We’ll help you compare it with other options (like Medigap) and choose what fits your situation.
Why do people choose Medicare Advantage plans?
Medicare Advantage can be a strong fit for people who want coverage that’s simple, bundled, and designed to manage costs.
Common reasons people consider Medicare Advantage:
All-in-one coverage (many plans combine medical + prescription coverage)
Copays instead of large coinsurance in many situations
Extra benefits not included with Original Medicare
Budget-friendly options may be available depending on your area and eligibility
Protection with an out-of-pocket maximum
We believe in helping you make a clear decision—so we always review the important details.
Medicare Advantage plans may include:
Provider networks (HMO/PPO rules vary)
Referrals for specialists on certain plans
Prior authorizations for some services
Copay structures that can differ based on care type (primary care, specialists, ER, inpatient, etc.)
Travel coverage differences compared to other Medicare options
Our job is to help you understand these items upfront so there are no surprises later.
What are the different Medicare Advantage plan types?
HMO Plans
Typically lower costs
Often require you to use in-network providers (except emergencies)
May require referrals to see specialists
PPO Plans
More flexibility to see providers outside the network (often at a higher cost)
Usually no referral requirement for specialists
Often preferred by people who want broader access
Special Needs Plans (SNPs) — If Eligible
Some plans are designed for individuals with specific health conditions or eligibility criteria. If you qualify, these plans may offer tailored benefits and care coordination.
Not sure what you qualify for? We’ll check and explain your options clearly.
Frequently Asked Questions
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Many Medicare Advantage plans include prescription drug coverage, but not all. We’ll confirm what applies to your plan options.
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It depends on the plan’s network and whether your doctor participates. We can help check providers during your review.
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HMOs typically require in-network care (with some exceptions) and may require referrals. PPOs usually offer more flexibility to go out of network (often at higher costs).
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Many plans include these benefits, but coverage varies by plan and county. We’ll review what’s available where you live.
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Medicare Advantage plans include an annual out-of-pocket maximum for covered medical services. The amount varies by plan.
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No. Our help is 100% free. We assist with review, comparison, and enrollment support.
Partners
Get Help From a Local Medicare Agent in London, KY
If you want to compare Medicare Advantage plans and understand your options clearly, we’re here to help.
Jackson Insurance Group
1340 S Laurel Road, Unit 207, London, KY
(606) 249-6880
support@jigky.com
jigky.com