Medicare Advantage Plans (Part C)

Personalized support from a trusted Medicare Consultant

Understanding Medicare Advantage

What Part C means for your health coverage

Medicare Advantage plans are offered by private insurance companies approved by Medicare. These plans replace Original Medicare (Parts A and B) and often include prescription drug coverage and additional benefits like dental, vision, and hearing care. With dozens of plan options available in Texas—especially around the Dallas–Fort Worth area—it’s easy to feel overwhelmed. Safe Hands Insurance acts as your personal Medicare advisor, simplifying the details so you can confidently choose a plan that aligns with your needs.

Benefits of Medicare Advantage Plans

Why Medicare beneficiaries choose all-in-one Medicare coverage

  • All-in-One Convenience: Combines hospital, medical, and prescription coverage into one plan.
  • Extra Benefits: Many plans include vision, dental, hearing, over-the-counter allowances, and gym memberships.
  • Predictable Safety Net: Annual maximum out-of-pocket limits help cap medical expenses, unlike Original Medicare.
  • Affordable Options: Many plans offer low or even $0 monthly premiums in parts of Texas, making them accessible for many seniors.

What to Consider Before You Enroll

Factors That Help You Choose the Right Plan

Before enrolling in a Medicare Advantage plan, it’s important to understand how provider networks work. Most plans are either HMOs, which require you to stay in-network for care, or PPOs, which allow more flexibility at a higher cost. Because these plans are county-based, your options may vary depending on where you live—so a plan that works in Cedar Hill might differ from one available in another Texas county. Plans also change each year, which is why our team encourages annual reviews to ensure your benefits still meet your needs.

How Safe Hands Insurance Services Helps You Compare Plans

Independent guidance from trusted Medicare advisors

Our process begins with a personal consultation to review your current situation, your healthcare priorities, preferred doctors, and prescription medications. We then compare plans from leading carriers in the market. Because Safe Hands Insurance Services is an independent Medicare broker, we’re not tied to any one company—our advice is based entirely on what’s best for you. Working with us doesn’t cost you anything.

Staying Covered Year After Year

Ongoing support for every stage of your Medicare journey

Choosing a plan is just the beginning. Each year, Medicare Advantage plans update their benefits, provider networks, and costs. Safe Hands Insurance Services provides year-round support to review your coverage and make adjustments during the Annual Enrollment Period. Whether you’re new to Medicare or have been enrolled for years, we’re here to make sure your plan continues to serve you well.

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Frequently Asked Questions about Medicare Advantage Plans

Helpful answers to guide your decision

  • Are Medicare Advantage plans a good fit for people living in the DFW area?

    Medicare Advantage plans can be a great option for many people in the DFW area, especially if you prefer having your medical, hospital, and often prescription coverage combined in one plan. These plans typically offer extra benefits like dental, vision, and hearing, which can be helpful if you want more comprehensive coverage. Because Medicare Advantage plans are county-based, your choices may differ depending on which part of the metroplex you live in. Safe Hands Insurance Services helps you compare what’s available based on your doctors, medications, and preferred hospitals so you can choose confidently.

  • Do Medicare Advantage plans include prescription drug coverage?

    Most Medicare Advantage plans, often called MAPD plans, include Part D prescription drug coverage. This allows you to have medical and medication benefits under the same plan, which many people find convenient. However, a few plans do not include drug coverage, so it’s important to check the details before enrolling. Safe Hands Insurance Services reviews your medications to help ensure the plan you choose provides the coverage you need.

  • Can I keep my doctor if I switch to Medicare Advantage?

    Whether you can keep your doctor depends on the plan’s provider network. Some plans, especially HMOs, require you to use in-network doctors, while PPOs allow more flexibility but may involve higher costs for out-of-network care. Since networks vary across the DFW area, it’s important to verify that your preferred doctors and specialists participate in the plan you’re considering. Our team at Safe Hands Insurance Services checks provider networks for you so you don’t run into surprises after enrollment.

  • What happens if my Medicare Advantage plan changes next year?

    Medicare Advantage plans are allowed to update their benefits, premiums, drug formularies, and provider networks each year. If your plan changes in a way that affects your care or costs, you have the opportunity to switch during the Annual Enrollment Period from October 15 to December 7. Reviewing these changes carefully can help you avoid higher costs or losing access to your doctors. Safe Hands Insurance Services provides annual plan reviews to help you stay informed and choose a plan that still fits your needs.

  • Are $0 premium Medicare Advantage plans too good to be true?

    Many $0 premium plans are legitimate and widely available across Texas, including the DFW area. These plans work because the insurer receives funds from Medicare to help cover your care, which allows them to offer lower upfront costs. While the premium may be low, you’ll still have copays, deductibles, or other out-of-pocket expenses depending on the services you use. Our team helps you understand the full picture so you can choose a plan that matches both your budget and your healthcare needs.