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  •

    Prepare for Enrollment

  •

    Review Cost and Coverage

  •

    Understand Coverage Gaps

  •

    Explore Medicare Advantage

  •

    Evaluate Your Options

  •

    Make an Educated Decision

Evaluate Your Options

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Not everyone wants the same things from their Medicare Advantage plan. For example, a Medicare Advantage Prescription Drug plan includes Medicare Part D prescription drug coverage and a Medicare Advantage plan does not. Reliance Medicare offers a variety of plan types and coverage options to fit your needs.

How do HMO and PPO differ?

We break down the differences between the two most frequently selected plan types

HMO

Health Maintenance Organization

These plans are typically less expensive than PPO plans. Many HMO plans offered by Reliance Medicare have low premiums and deductibles. However, there are some additional requirements for care that allow these plans to cost less.

  • - Their coverage only extends to in-network doctors, hospitals, specialists, and clinics – with few exceptions. If you choose to get treatment from an out-of-network provider, you will be responsible for 100% of the cost. However, many plans have a large network, so check with a licensed Medicare sales agent to see if your preferred healthcare providers are in-network for the plan you're interested in. 
  • - Most HMO plans require you to select a primary care physician. This doctor oversees your medical needs and refers you to specialists, if necessary. Some HMO plans require you to have a referral from your primary care physician before treatment from a specialist will be covered.

PPO

Preferred Provider Organization

PPO plans typically cost more than HMOs but they come with more flexibility. Most PPO plans require you to pay a monthly premium and have a higher deductible for medical care. 

  • - Unlike some HMOs, you generally are not required to select a primary care physician and you won’t need a referral for specialist visits.
  • - In most cases, you’ll be covered by both in-network and out-of-network doctors and hospitals. However, your out-of-pocket costs will be lower if you get care from in-network providers.
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Find your perfect match

Answer these questions to help us find the plan that’s right for you.

Pro tip!

Resist the urge to shop based on premium alone. Consider the total out of pocket costs and extra benefits and services you’ll need. Plus make sure you confirm your doctors and specialists will accept the plan and price the cost of your medications. Getting into the right plan can lead to real savings over time.

Find your perfect match

Question 1/4

Which base coverage(s) are you starting with? Select all existing insurance plans you have access to.

  • Medicare Part A

  • Medicare Part B

  • Medicaid

  • VA benefits for military veterans

  • A group insurance or retirement policy

Question 2/4

What additional coverage will you need to purchase through a private insurance plan? Select all coverages you need that you’re currently missing.

  • Prescription drug coverage to help cover the cost of your medications

  • Basic dentral coverage for things like exams, cleanings, filings, and x-rays

  • More comprehensive dental for things like root, canals, extractions, dentures, implants, and other procedures

  • Routine vision exams, procedures, and corrective eye-wear

  • Hearing coverage, hearing aids, exams, and treatments

Question 3/4

What matters more to you? Choose the plan type that better fits your needs

  • A plan that offers more flexibility choosing doctors, hospitals and specialists (PPO)

  • A plan that offer lower prices but requires use of network providers (HMO)

Question 4/4

What benefits do you expect to use most? Click on the benefits you’d expect to use most. Select all that apply.

  • A maximum out-of-pocket limit

  • Zero Dollar Premium Plans

  • Alerts to lower cost medications when available

  • A gym membership through the fitness program.

  • Rewards for completing eligible healthy activities

  • Access to Reliance Medicare’s mail-order pharmacy

  • Coverage for virtual telemedicine doctor visits “Available on most plans”

  • Worldwide Emergency Coverage

  • Rides to doctor appointments

  • Meal delivery after an inpatient overnight hospital stay

  • An allowance to spend on approved over-the-counter medications

The coverage and benefits you selected

Based on your choices, we think an all-in-one Medicare Advantage Prescription Drug plan may be right for you. The coverage and benefits you selected

It’s a match!

Coverage and Benefits Original Medicare
Parts A		 Original Medicare
Parts B		 All-in-one Medicare
Advantage Prescription
Drug Plan Part C		 Stand-alone
Prescription
Drug Plan Part D
Standard coverage

Part A: Hospital Coverage
Includes hospital expenses, skilled nursing, personal assistance and hospice care.

Part B: Doctor & Outpatient Coverage
Includes doctor visits, outpatient care, and preventive services

Your dual eligibility selection
Additional Coverage

Prescription drug coverage

Basic dentral coverage for things like exams, cleanings, filings, and x-rays

More comprehensive dental

Coverage for vision exams, corrective eye-wear, and procedures
Doctor and Hospital Network

Your Preferred Network Type

Your Preferred Network providers
Predictable Costs and Potential Savings

Maximum out-of-pocket limit

Zero Dollar Premium Plans

Alerts to lower cost

A free gym membership through the SilverSneakers® fitness program

Go365 Humana’s personalized wellness and rewards program

Access to Humana’s mail-order pharmacy

Telemedicine – virtual doctor visits from your phone or computer

Worldwide Emergency Coverage

Swipe to compare more plans

Original Medicare
Parts A		 Original Medicare
Parts B		 Stand-alone
Prescription
Drug Plan Part D		 All-in-one Medicare
Advantage
PrescriptionDrug
Plan Part C

Part A: Hospital Coverage
Includes hospital expenses, skilled nursing, personal assistance and hospice care.

Part B: Doctor & Outpatient Coverage
Includes doctor visits, outpatient care, and preventive services

Your dual eligibility selection

VA benefits for military veterans

A group insurance or retirement policy

Prescription drug coverage

Basic dentral coverage for things like exams, cleanings, filings, and x-rays

More comprehensive dental

Coverage for vision exams, corrective eye-wear, and procedures

Hearing aids, exams, and treatments

Your Preferred Network Type

Your Preferred Network providers

Maximum out-of-pocket limit

Zero Dollar Premium Plans

Alerts to lower cost

A free gym membership through the SilverSneakers® fitness program

Go365 Humana’s personalized wellness and rewards program

Access to Humana’s mail-order pharmacy

Telemedicine – virtual doctor visits from your phone or computer

Worldwide Emergency Coverage

Free rides to doctor appointments (Available on some plans)

Meal delivery after an inpatient overnighthospital stay (Available on some plans)

An allowance to spend like cash for over-the-counter medications (Available on some plans)

Congrats! You’ve completed Step 5!

Next Step

Step 6: Make an Educated Decision

1 https://www.medicare.gov

Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Helpline is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency. No government affiliation.

 

Reliance Medicare Helpline represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

 

We do not offer every plan available in your area. Currently we represent 6 carrier organizations which offer 2,352 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

 

Innovative Financial Group represents Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that have a Medicare contract. Enrollment in the plan depends on the plan's contract renewal.

 

If you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.

 

Costs, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.

 

Reliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.

 

Last Update: 11/22/2024

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