Medicare Advantage Plans for 2025: A Guide for Those Turning 65

March 12, 2025

Turning 65 is a major milestone, and one of the most important decisions you’ll make is choosing the right Medicare plan. For many new enrollees, Medicare Advantage (Part C) is an attractive option, offering all-in-one coverage that includes hospital, medical, and often prescription drug benefits.



If you’re approaching your Medicare eligibility and wondering what your options are for 2025, this guide will help you understand the key features of Medicare Advantage plans, how to choose the best one for your needs, and how YourMedPlan can provide expert guidance during the enrollment process.

What is Medicare Advantage?

Medicare Advantage (MA), also known as Medicare Part C, is an alternative to Original Medicare (Parts A & B). These plans are offered by private insurance companies and typically include:


  • Hospital coverage (Part A)
  • Medical coverage (Part B)
  • Prescription drug coverage (Part D) (varies by plan)
  • Additional benefits such as dental, vision, hearing, and wellness programs


Many people turning 65 choose Medicare Advantage because it provides more benefits at a lower cost than combining Original Medicare with a Medigap (Supplement) plan.

How to Choose the Right Medicare Advantage Plan for 2025


1. Consider Your Healthcare Needs

Each person’s healthcare situation is different, so it’s important to choose a plan that aligns with your specific needs. Ask yourself:


  • Do I need regular specialist care?
  • Do I take prescription medications?
  • Will I need dental, vision, or hearing benefits?


Some Medicare Advantage plans include extra benefits like transportation, fitness memberships, or other health-related services. YourMedPlan can help you compare plans and find the best option for your health needs and budget.

2. Check Provider Networks

Unlike Original Medicare, most Medicare Advantage plans require you to use a specific network of doctors and hospitals.


The two most common Medicare Advantage plan types are:


  • HMO (Health Maintenance Organization) Plans – Lower costs, but require you to use in-network doctors and get referrals for specialists.
  • PPO (Preferred Provider Organization) Plans – More flexibility to see out-of-network providers, but usually at a higher cost.



*YourMedPlan Insight: If you have a preferred doctor or specialist, check if they are in-network before enrolling in a plan.

3. Prescription Drug Coverage (Part D)

Many Medicare Advantage plans include prescription drug coverage, but coverage can vary. If you take daily medications, review the plan’s drug formulary (list of covered drugs) to ensure your prescriptions are covered at an affordable cost.


*YourMedPlan Insight: Some plans classify drugs into different tiers, affecting out-of-pocket costs. We can help you compare plans that cover your medications at the lowest cost.

4. Understand Costs Beyond Premiums

Medicare Advantage plans often have lower monthly premiums than Medicare Supplement (Medigap) plans, but it’s important to review all costs, including:


  •  Monthly premium (some plans have $0 premiums!)
  •  Copayments and coinsurance for doctor visits and services
  •  Out-of-pocket maximums to limit yearly expenses


*YourMedPlan Insight: A plan with a low premium may have higher out-of-pocket costs, so evaluating total expenses is key.

Who Should Consider a Medicare Advantage Plan?

A Medicare Advantage plan may be the best fit if you:


  • Want comprehensive coverage that includes hospital, medical, and drug benefits in one plan
  • Prefer lower monthly premiums compared to Medicare Supplement plans
  • Need extra benefits such as dental, vision, hearing, and other perks
  • Are comfortable using a network of providers for care


However, if you frequently travel or prefer more provider flexibility, a Medigap (Medicare Supplement) plan combined with Original Medicare may be a better fit.

How YourMedPlan Can Help You Enroll

Navigating Medicare Advantage plans can be overwhelming, but YourMedPlan makes it simple. Our Medicare specialists provide:



  • Personalized Plan Comparisons: We assess your health needs, budget, and provider preferences to recommend the best options.
  • Expert Guidance: We help you understand plan costs, benefits, and coverage details before enrolling.
  • Enrollment Support: We assist with the application process to ensure a smooth transition.
  • Resource Throughout The Policy Year: Even after you enroll, we’re here to answer questions, assist with claims guidance, and review plan changes each year.

Get Expert Help Choosing Your Medicare Advantage Plan for 2025

If you’re turning 65 and considering Medicare Advantage, now is the time to explore your options. With plans constantly evolving, it’s essential to compare benefits, networks, and costs to find the right fit for your health and budget.



📞 Call YourMedPlan today at +1 (855) 376-3186 or visit YourMedPlan.com to schedule a free consultation.

⏳ Don’t wait—Medicare’s Annual Enrollment Period runs from October 15 to December 7, 2024!

Let YourMedPlan help you confidently enroll in the best Medicare Advantage plan for 2025!

Health Insurance for Self-Employed Individuals: What 1099 Contractors Need to Know

March 12, 2025
Being self-employed gives you the freedom to be your own boss, set your own schedule, and grow your business on your terms . However, one challenge many freelancers, independent contractors, and gig workers face is finding affordable health insurance . Unlike traditional employees who receive coverage through their employer, 1099 contractors must navigate the health insurance marketplace on their own. At YourMedPlan , we specialize in helping self-employed professionals find the best health coverage that fits their budget, lifestyle, and healthcare needs . If you’re a freelancer, consultant, or gig worker , here’s everything you need to know about securing health insurance as a self-employed individual .

Qualifying Life Events: When You Can Enroll in a New ACA Health Plan

March 12, 2025
Life is full of changes, and some of these changes can impact your health insurance needs. While the Affordable Care Act (ACA) Marketplace has a set Open Enrollment Period each year, certain Qualifying Life Events (QLEs) allow you to enroll in or change your health insurance plan outside of that window. Understanding these life events can help ensure that you and your family have the coverage you need when you need it. At YourMedPlan , we specialize in helping individuals navigate the ACA Marketplace and find the best health insurance options tailored to their needs. If you've recently experienced a Qualifying Life Event , you may be eligible for a Special Enrollment Period (SEP) —allowing you to enroll in a new plan outside of the standard Open Enrollment timeframe.

Your Guide to Choosing the Right Health Insurance Plan for 2025

By Chaney Jassmann • November 27, 2024
As we move through the annual enrollment period, millions of Americans are making crucial decisions about their health insurance for 2025. Whether you’re considering Medicare Advantage options or individual plans under the Affordable Care Act (ACA), selecting the right plan requires more than just comparing premiums. At YourMedPlan, we’re here to guide you through the process, helping you find coverage that meets both your health and financial needs. Why Price Isn’t Everything While $0 premium Medicare Advantage plans and ACA tax credits may be tempting, focusing solely on premiums can lead to high deductibles, unexpected out-of-pocket costs, or limited provider networks. To make an informed choice, it’s essential to evaluate these critical factors: 1. Deductibles: Know the Costs Upfront Your deductible is the amount you must pay out of pocket for covered services before your insurance kicks in. Low-premium plans often come with high deductibles, which can exceed $1,000 for individuals or several thousand for families. YourMedPlan Tip: Understanding how deductibles apply—whether for routine care or specialist visits—is crucial. Our advisors can help you navigate these details and choose a plan that minimizes your financial risk. 2. Copays vs. Deductibles: What’s the Difference? Copays are fixed fees for specific services, like doctor visits, and usually don’t count toward your deductible. Balancing these costs is key to managing your healthcare budget. YourMedPlan Tip: Our team can help you calculate both copays and deductibles to ensure your plan works for your financial and medical needs. 3. Provider Networks: Stay Covered Many insurance plans limit coverage to specific networks of doctors and hospitals. Seeking care outside the network can lead to higher costs or no coverage at all. YourMedPlan Tip: Let us verify whether your preferred doctors, specialists, and hospitals are in-network, so you can avoid surprises and stay covered even in emergencies. 4. Prescription Drug Coverage: Plan Ahead Each insurance plan includes a formulary, or a list of covered medications, grouped into cost tiers. The tier of your medication determines how much you’ll pay out of pocket. YourMedPlan Tip: Not sure if your prescriptions are covered? We’ll review your plan’s formulary and explore cost-saving options like discount programs or alternatives. 5. Coinsurance: The Often Overlooked Cost Coinsurance is the percentage of medical bills you pay after meeting your deductible. Plans with lower premiums often have higher coinsurance rates, which can add up for expensive treatments. For instance, a $25,000 medical bill with a $1,000 deductible and 20% coinsurance could leave you responsible for $5,800. YourMedPlan Tip: Our experts can help you calculate potential coinsurance costs and find a plan that balances affordable premiums with manageable out-of-pocket expenses. 6. Out-of-Pocket Maximums: Your Safety Net Once you reach your plan's out-of-pocket maximum, insurers cover 100% of your in-network, covered care. For ACA marketplace plans in 2025, these caps are $9,200 for individuals and $18,400 for families. YourMedPlan Tip: Understanding how out-of-pocket maximums reset annually is key to planning your healthcare expenses. We’ll help you prepare and avoid surprises. YourMedPlan: Your Partner in Health Insurance As you evaluate your health insurance options, let us be your trusted partner. Navigating deductibles, provider networks, and cost-sharing can be complex, but our advisors simplify the process and provide year-round support. We can assist with: Comparing plans and premiums Reviewing provider networks and prescription drug coverage Breaking down deductibles, copays, and coinsurance Identifying savings opportunities, including tax credits and discounts Our goal is to ensure you select the best plan for your unique needs, giving you peace of mind and confidence in your coverage. Get Started Today As you consider your health insurance options for 2025, we’re here to guide you every step of the way. Contact YourMedPlan to schedule a consultation and get expert insurance recommendations tailored to your healthcare needs. Let’s find the perfect plan together!