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What can you expect from 2015 Medicare Advantage plans?

Category: Annual Medicare plan changes
Published: Oct, 10 2014 08:10:16


Since the beginning of the Medicare Part D program in 2006, Medicare Advantage plans have become more popular with the Medicare community as people learned more about these somewhat complex coverage options.

As most of you may know, Medicare Advantage plans provide coverage traditionally found under your Medicare Part A (hospitalization and in-patient care) and Medicare Part B (doctor visits and out-patient care) – and may also provide prescription drug coverage along with other benefits not usually offered by original Medicare.

However, Medicare Advantage plans are definitely difficult to compare because of the variation and complexity of coverage. So to help you better review 2015 Medicare Advantage plans, we offer our 2015 MA-Finder that now includes all of the health benefit or coverage details for Medicare Advantage plans across the country.

To get you started, you can click here for an example of the Medicare Advantage plans available in Summit County, Ohio. Just change the Zip code to your own Zip to see the Medicare Advantage plans available in your service area.

Once you find a Medicare Advantage plan that looks interesting, you can click on the small “detail” icon below the Medicare Advantage plan name (it looks like a small stack of paper) and then you can see all of the coverage information for that plan. And yes, the coverage detail page is rather long.

Here is an overview of what is happening with 2015 Medicare Advantage plans:
  • The total number of 2015 Medicare Advantage plans will decrease slightly.  However, when viewed in detail, many 2014 Medicare Advantage plans will be terminated or merged into other 2015 plans and new Medicare Advantage plans will be added.
  • The counties with the largest decrease in the number of 2015 Medicare Advantage plans are found in the states of: Florida, Pennsylvania, New York, and Ohio.
  •  Most 2015 Medicare Advantage plans will include prescription drug coverage (MAPDs).
  •  Slightly fewer 2015 Medicare Advantage plans will have a $0 premium as compared to 2014. 
  • The majority of 2015 Medicare Advantage plans will be HMOs (Health Maintenance Organizations), with the number of PFFS (Private Fee for Service) Medicare Advantage plans decreasing significantly in 2015.
  • Over 16% of the 2014 Medicare Advantage Special Needs Plans (SNPs) will be discontinued in 2015.  On the positive side, a number of 2015 Medicare Advantage SNPs will be added across the country to give only a slight net decrease of 2015 SNPs.
  • As in prior years, no Medicare Advantage plans are offered in Alaska.
Not sure where to begin with your search for a Medicare Advantage plan?
Just click on your state to begin and then click on your county name for a complete list of Medicare Advantage plans available in your area: AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY






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Tips & Disclaimers
  • Q1Medicare®, Q1Rx®, and Q1Group® are registered Service Marks of Q1Group LLC and may not be used in any advertising, publicity, or for commercial purposes without the express authorization of Q1Group.
  • The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change.
  • Medicare has neither reviewed nor endorsed the information on our site.
  • We provide our Q1Medicare.com site for educational purposes and strive to present unbiased and accurate information. However, Q1Medicare is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.
  • We are an independent education, research, and technology company. We are not affiliated with any Medicare plan, plan carrier, healthcare provider, or insurance company. We are not compensated for Medicare plan enrollments. We do not sell leads or share your personal information.
  • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Our PDPCompare.com and MACompare.com provide highlights of annual plan benefit changes.
  • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
  • Limitations, copayments, and restrictions may apply.
  • We make every effort to show all available Medicare Part D or Medicare Advantage plans in your service area. However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
    Statement required by Medicare:
    "We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
  • You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.
  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
  • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.
  • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.
  • Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.
  • Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.
  • Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.
  • Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.
  • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
  • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.