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Medicare Advantage

Medicare Advantage, also referred to as Part C, is the other option for coverage offered by private companies that are subject to the rules of Medicare. Through a Medicare Advantage plan, you still receive Medicare but you get your Part A and B from your Advantage plan instead of Medicare, meaning Medicare no longer pays your bill. Most plans include prescription drug coverage. Advantage plans must follow the rules of Medicare, however each plan can charge different out-of-pocket costs and have different rules for how you get services. These rules can change from year to year, but the plan must notify you about any changes before the start of the next enrollment period.

For most plans, you’ll need to use a health care provider that is approved by the plan’s network. If you go to a doctor or health care provider that is not approved by the plan’s network for non-emergent care services, your services may not be covered or your costs could be much higher. With most HMO plans, you are required to choose a network approved primary care doctor and you must have a referral to see a specialist. With PFFS and PPO plans, choosing a primary care doctor is not required. A referral to see a specialist is not required with a PPFS plan, and it is not required in most cases with a PPO plan.

Medicare Advantage plans replace Original Medicare. You will still pay your Medicare premium, but the company that you have your Advantage plan through will be responsible for the rest of the bill. In most cases, you are required to use approved hospitals and doctors, but with a Supplement plan, any doctor or hospital that accepts Medicare must accept your supplement plan. Some Advantage plans include extra benefits, but these benefits can change yearly and plans can discontinue at the end of the year.

We went to a class that Seniors Benefits had which started to answer many questions that we had and hooked us up with Katie. She helped me through the whole process of obtaining Medicare and a supplement insurance. She was patient and answered all my questions and made sure that I had a complete understanding of this whole process. I highly recommend using seniors benefit and there is no cost to use them.

- Pamela Bentz

I called the office asking if they could help me with my medicare benefits. My call was transferred to Katie. She answered all my questions and was very knowledgeable. I was told she would check on something for me and called me back with additional information. I was very pleased with the service, Katie was professional and was very helpful. I would highly recommend them.

- Barbara Ritchey

Seniors Benefit has been so helpful to me from the time I first became eligible for Medicare. I was so confused in the beginning as to how to choose what plans I wanted and they were excellent in explaining it all to me. Plus they help me every year to make the best cost-saving choices. I highly recommend Seniors Benefit!

- Joanne Mitchell

Understanding and navigating the Medicare system was so much simpler with the professional help of Seniors Benefit. Wally provided an easy to understand presentation at our local library and patiently answered all the questions from his audience. As a followup to the presentation, Katie at Seniors Benefit listened to what I needed in health/dental/supplemental policies and found the best fit for me. She made the whole decision process so much easier and stress free. I'm looking forward to a yearly Plan D evaluation by Seniors Benefit to make sure I continue getting the best drug plan for my money.

-Gail Coleman

I have used Seniors Benefits for nearly 10 years originally when we lived in Hot Springs Village, Arkansas and then later when we moved to Lawrence, Kansas. From the beginning Wally Stone explained all my options for prescription drug coverages and my supplement insurance. Anytime I had a question, Wally or someone in his office would promptly call me back. This is very important to me since it is difficult to get anyone to actually return a call. Also Wally or someone in his office handles the paperwork. I have always referred people to Seniors Benefits and will continue to do so.

- Charles Klepfer

We have used Seniors Benefit for a number of years and office staff are always very helpful and get us through the maze each year. They work hard researching all the plans and comparing our needs with the many plans. Thank you for your diligent work.

- Jan Murray

Best of the best. Wally is great at helping with insurance needs and saving u money. His staff is very friendly and helpful. Would not use anybody else.

- Anita Dickinson

Katie was the best. She was more than helpful with this complicated Medicare system. Would recommend this company highly.

- Dawn Rubio

Our accountant recommended Wally. Greeted with a smith upon entry. Everyone spoke to us,made us feel appreciated and welcome. Wally guided us through the sing up process leaving us fully informed. Also explained what to expect in mail the next few weeks. Entire process was extremely smooth and exactly as he communicated. We will definitely recommend Wally @ Senior Benefit. Mike and Kim

- Kim Hutzel

Thanks to Mrs Katie and the entire team at Seniors Benefit for everything they did going above and beyond to help navigate the confusing waters of the Medicare system. Senior Benefit has been there throughout every step of this long, often mind boggling journey. Providing me with much needed guidance and materials in order to make a well informed decision as possible. Keep up the good work.

- Charles Stroud

My grandmother had been doing business with these people for a long time and I have never heard her say one negative thing about them! They always are looking out for her and find her the best deal for her situation! We love them!!

- Michelle Blancher

Seniors Benefits....ie.....Mr. Wally Stone has handled our Medicare supplemental and Part D insurance needs for 7 years now. They are extremely professional, and always keep our best interest in mind. I am always confident that we are using the insurance company that is giving us what we need for the lowest premium. Mr. Stone has even assigned my wife to a different company that myself in order to keep our costs under control. GREAT COMPANY. I RECOMMEND THEM TO ALL MY FRIENDS.

- Gary Buettner

The very professional staff at Seniors Benefit is the BEST!!!!! They always help me guide my decisions with expert advice...PLUS, they are ALL so friendly and accommodating . I am MORE than pleased with their services!

- Marcia Cash

Outstanding service from everyone at Seniors Benefit from the first time I spoke with them No pressure to use them, but they were so helpful that I wouldn't have used anyone else. They were always prompt about responding to my questions and went above and beyond to help with my needs. I would strongly recommend them to anyone and have referred several friends to them that were in need of any services they offer.

- Heidi Nash

I have been using this company since 2010 and could not be happier. They know the laws and stay on top of all changes on my behalf. They make sure I am getting up to date care and benefits. It's really nice to have someone genuinely looking out for my best interest.

- Rachel Rose

Navigating the medicare insurance options is not easy. Senior Benefits was extremely helpful. They are very knowledgeable about the benefits/insurance that was available in my county. They were also timely on their responses, helping with forms, etc. I would highly recommend them.

- W Johnson