


Medicare Advantage (Part C) is an alternative way to get your Medicare benefits. These plans are offered by private insurance companies approved by Medicare. By law, they must offer at least the same coverage as Original Medicare (Part A and Part B), but most plans go significantly further.
These plans have become increasingly popular because they often bundle Prescription Drug coverage (Part D) and extra benefits like dental and vision into a single plan, often with affordable premiums.
Most Advantage plans include Part D coverage, protecting you from high medication costs.
Annual eye exams and allowances for glasses or contact lenses are commonly included.
Access to thousands of gyms and fitness centers nationwide at no extra cost.
Routine cleanings, X-rays, and hearing aid coverage are standard on many plans.
Joining a Medicare Advantage plan is simple, but you must meet these basic criteria:
We are legally committed to putting your best interest first—always.
Your coverage is customized based on real needs not generic plan options.
We simplify complex options by comparing plans across multiple carriers.
Annual reviews and year-round help when changes or questions arise.
We review your health, prescriptions, doctors, and budget to establish a clear starting point.
We analyze plans across multiple carriers to find the best fit for your needs.
We handle enrollment and continue reviewing your coverage as plans change each year.
See how individuals and families gained clarity, reduced healthcare costs, and chose coverage that truly fits their needs.
We help individuals understand their coverage options and make informed decisions with confidence.
Side-by-side comparisons make it easier to choose coverage that fits health needs and budgets.
Aspen Financial explained my Medicare options clearly and helped me choose coverage that actually fit my needs.
Below are answers to the most frequent questions we hear from individuals preparing for or already enrolled in Medicare.
No. You remain enrolled in Medicare. The Advantage plan simply takes over the administration of your benefits and claims. You retain all rights and protections of Medicare.
You cannot be denied coverage or charged more due to your health status. Medicare Advantage plans are 'guaranteed issue' during your valid enrollment periods.
Yes, you can switch back during the Annual Enrollment Period (Oct 15 - Dec 7) or the Medicare Advantage Open Enrollment Period (Jan 1 - Mar 31). However, getting a Supplement plan at that point might require medical underwriting.
Emergency and urgent care are covered nationwide. Routine care depends on your plan type. PPO plans usually offer some out-of-network coverage, while HMOs are generally restricted to your local area.
Take the next step with a complimentary consultation and get personalized support from a licensed, independent advisor—no pressure, no obligation.