Five-0-Nine Insurance · Spokane · Yakima · Walla Walla
Medicare Advantage
A private plan that takes the place of Original Medicare, with its own network and its own rules.
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Who this is for
The people we usually see for this
Someone new to Medicare, retiring, moving, or already on Medicare and reviewing what they have.
You may have heard about Medicare Advantage from a friend, from family, from television or from the mail, and you want to know whether it makes sense for you. Or you already hold a plan and want to be sure it still works for your doctors, your prescriptions, your travel and your health.
What people get wrong
Prior authorizations. Referrals, which some plans require. The difference between an HMO and a PPO.
Travel is the other one. Doctors, hospitals, prescriptions, networks and out of pocket costs all sit inside whichever plan you pick, and the service area attached to it is worth understanding before you choose.
Before you call
What people worry about
Three things come up almost every time.
How do I know what applies to me
The mail keeps coming and the commercials keep running, and a good share of what circulates online is wrong. Almost none of it was written about your situation.
Can I keep my doctors
Networks decide that, and they are not all alike. Some plans also ask for a referral or prior authorization before you can be seen.
Will it travel with me
Advantage plans are tied to a service area. If you are away from home for an extended period, that matters more than the premium does.
Our work
Where we come in
We educate first. Then we research the provider networks and the prescription coverage against what you actually use, and we listen to what you are trying to get out of this.
We help you compare the options available to you and understand the trade offs in each one. You make the decision. After that we are here all year as your advocate.
What working together actually looks like
We start with a conversation and get to know what matters to you. Education first, then a consultative look at what fits your goals and your budget.
You make the final call. We help you understand it, and if you choose to enroll we help with the enrollment. Then we are still here when questions come up, and we review the coverage each year, because plans change and so do you.
Carriers we compare
Questions about this coverage
What people ask most often about this one, answered the way we would answer on the phone.
Medicare Advantage and Medicare Supplement, also called Medigap, are two different ways to manage your Medicare coverage and your out of pocket costs.
Which one fits depends on your healthcare needs, your providers, your prescriptions, your budget and your own preference. We lead with education so you understand the differences and the options available in your state and county.
Provider networks are an important part of choosing health insurance. Depending on the plan you may have an HMO, a PPO or another type of network, and the rules for getting care outside that network can vary a great deal.
If keeping your current doctors, specialists, hospitals or care team matters to you, we make provider access part of the coverage review. We research the available plan networks and explain the differences between HMO and PPO options so you can make an informed decision.
Provider participation can change, so we also recommend confirming network status directly with your providers and your insurance carrier.
No. Five-0-Nine Insurance is an independent, licensed insurance agency. Our agents maintain the required licenses and complete annual carrier and Medicare certifications.
We are not affiliated with or endorsed by Medicare, CMS, the Social Security Administration or any government agency.
There is typically no additional cost to work with us. As independent insurance agents, we are generally compensated by the insurance carriers we represent.
Our role is to help you understand your options, answer your questions, and help you look at the bigger picture of your health insurance and protection planning.
You might also want to look at
People who buy their own health coverage often end up asking about these.
An indemnity policy that pays you an agreed amount after a covered diagnosis, so you can focus on treatment rather than the bills.
For people who want predictable costs and the freedom to see any provider who accepts Medicare.
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For anyone new to Medicare, retiring, moving, or reviewing an Advantage plan they already hold.
Still deciding whether this is right for you?
That is the conversation, not the paperwork. Tell us what you have now and what you are trying to protect, and we will walk through whether this fits.
