Medicare Advantage, also known as Medicare Part C, is an alternative to Original Medicare. If you sign up for a Medicare Advantage Plan, you get coverage from a private insurer, making you eligible for extra benefits that aren’t included with standard Medicare. In 2023, nearly 31 million people enrolled in a Medicare Advantage Plan, a little more than half of the eligible Medicare population.
Although Medicare Advantage Plans offer several valuable benefits, it can be tough to find just the right plan for your needs. You need to think about how often you need healthcare, how much you can afford to spend on premiums and other factors. Read this United Medicare Advisors review to learn more about how UMA can help you find the best coverage for your situation.
What Is United Medicare Advisors?
United Medicare Advisors has a team of licensed insurance agents available to help you find a Medicare Advantage Plan that meets your needs. If you decide to use UMA’s services, your assigned agent will ask questions about your health conditions, medications and financial situation. They use the information to find a Medicare Advantage Plan offering the most benefits at the most affordable cost.
Services Provided by United Medicare Advisors
United Medicare Advisors has agents available to help with the following products.
Medicare Advantage Plans
If you want to enroll in Medicare Advantage, you’ll need a plan that covers your medications and allows you to keep seeing the doctors you know and trust. United Medicare Advisors has licensed agents available to help you choose a plan with a broad network of providers at an affordable cost.
UMA agents take a consultative approach, which means they listen carefully to your needs rather than trying to sell you a specific plan. Each agent has in-depth knowledge of plan benefits and out-of-pocket costs, ensuring that every Medicare-eligible individual gets the coverage they need.
Medicare Supplement Plans
If you enroll in Original Medicare instead of Medicare Advantage, you’ll need a Medicare Supplement Plan to help with your out-of-pocket costs. Although Medicare costs much less than many private insurance plans, it’s not completely free. You have to pay a monthly premium for your Part B (outpatient) coverage, plus deductibles, coinsurance and copays.
These out-of-pocket costs add up quickly, making it more difficult for seniors on fixed incomes to manage their finances. Medicare Supplement Plans cover your cost-sharing requirements, leaving you with more funds available for other expenses. They may even offer additional benefits, such as coverage for overseas emergencies.
The licensed agents at UMA are familiar with the 10 standardized Medicare Supplement Plans, so they can recommend the right plan based on your budget and healthcare needs.
Medicare Part D Plans
Medicare Advantage Plans combine the benefits of Original Medicare with prescription drug coverage. If you choose Original Medicare, however, you won’t have any prescription coverage unless you enroll in Part D. Like Medicare Advantage Plans, Part D plans are sold outside the market by private insurance companies, so you have several options.
If you decide to work with UMA, your agent will gather information about your budget and your prescription needs. They’ll use that information to find a plan that provides the best coverage at the lowest possible cost.
How Much Does It Cost to Work with United Medicare Advisors?
It costs absolutely nothing to work with the agents at United Medicare Advisors. Insurance companies pay a commission for each policy sold, but that commission comes from the insurance company, not from your funds.
Pros and Cons of Working with United Medicare Advisors
One of the biggest advantages of working with United Medicare Advisors is that you have the opportunity to discuss your needs with a licensed agent. To obtain a license, an agent must pass a licensing course and take a difficult examination. Therefore, an insurance license serves as a mark of quality.
You’ll be working with someone who has in-depth knowledge of the Medicare program, giving you extra peace of mind as you choose a Medicare Advantage Plan, a Medicare supplement plan or a prescription drug plan.
UMA works with more than 20 insurance carriers, so you don’t have to worry about being limited to plans sold by one company. This gives you more flexibility as you work to find the right plan for your needs. UMA also serves 45 states, making its services widely available to Medicare-eligible Americans.
A potential drawback of working with UMA is that they may not work with your preferred carrier. If you already have a specific Medicare Advantage Plan in mind, you may benefit from enrolling in the plan directly rather than consulting with a licensed agent. Otherwise, United Medicare Advisors is a legitimate company with a good reputation. For example, the company has thousands of 5-star reviews on Trustpilot.
United Medicare Advisors Review: The Bottom Line
Overall, United Medicare Advisors offers a helpful service to Medicare-eligible adults. If you’re overwhelmed by the number of plan options available, you may benefit from speaking to a licensed agent about your needs. UMA works with more than 20 insurance companies, so there’s a good chance your agent will be able to find something that fits your budget and covers the healthcare services you need to thrive.
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