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SmartMatch Review

Sunday, October 2nd

2022 Medicare Advantage Plan Reviews

Top Consumer Reviews Best-In-Class Blue Ribbon Award SmartMatch Review 5 Star Rating


5 Star Rating
  • Able to objectively quote plans from many different companies, including some of the biggest and best-known providers
  • Helpful representatives who won't push you towards any one plan or provider
  • Secure dashboard for viewing plan options and pricing
Top Consumer Reviews Best-In-Class Blue Ribbon Award

SmartMatch is one of the most powerful Medicare insurance quote platforms available today, and it just might become your favorite resource for getting a Medicare Advantage Plan - or any other Medicare insurance coverage you and your family need. It's a one-stop shop to get quotes from a range of insurance providers, including the best-known names like Aetna and Humana.

Start The Process

To find the right Medicare Advantage plan for you, just enter your name, date of birth, zip code, phone number and email address. From there, ou'll see a confirmation page, notifying you that you'll receive a call from one of their licensed agents. However, you probably won't be waiting long - we received a call within 30 seconds of submitting our information! Optionally, you can also use the toll-free number on that page to reach out immediately, if you don't want to wait for a SmartMatch licensed agent to get in touch.

Expert, Friendly Help

The licensed representative was extremely helpful, taking the time to ask in-depth questions about our situation, our needs, and our priorities with respect to premiums, out-of-pocket costs, and timeframes for enrollment. When choosing a Medicare Advantage plan, it's essential to get expert guidance for the questions unique to your situation. She made sure to get the name of our primary care doctor and only quoted us Medicare Advantage Plans that had that physician in-network. The rep also asked about our medications, so that she could include them in the quote and give us accurate information about coverage and costs.

Secure Communications And Dashboard

We were impressed with the layers of security involved in sending us our Medicare Advantage Plan quotes. We were given a password-protected dashboard to see the available plans based on the demographic information we provided: a soon-to-be 65-year-old woman in good health, non-smoker, in Wisconsin. We also used Xarelto as a sample prescription, knowing that it's frequently-prescribed, and is one of the most expensive medications on the market.

Best Medicare Advantage Plans

Top Rated Plan

The top plan recommended for that individual happened to be the Humana Choice PPO. This plan was quoted with a $0 monthly premium, $0 medical deductible, and an annual maximum out of pocket cost of $4,200. Our estimated drug cost for the one medication we mentioned was $564. Of course, the best plan for you will vary according to your specific information - where you live, your health conditions, medications, and so forth.

Biggest Selection Of Medicare Advantage Plans

We liked that the SmartMatch dashboard gave us the option to shop all available plans for our demographic. Just look for the big yellow button on your main quote page. There were 24 total Medicare Advantage Plans to choose from - some with prescription drug plans, and some without. In the example we used, there were a variety of plans offered, including those from Anthem, UnitedHealthcare, and Aetna, in addition to the Humana policy we described previously. Plans ranged from PPOs to HMOs and could be sorted by total estimated annual cost, lowest monthly premiums, Medicare star rating, or simply A through Z.

Step-by-step Assistance Makes It Easy

When you find a plan that works for you, your SmartMatch licensed agent will take you through all or most of the steps required to get you covered. Be aware that procedures vary by insurer, so you might be connected to the company issuing the policy to finalize the contract - with the help of the agent who gave you the quote initially.

Impressive Reputation

SmartMatch has already built an impressive reputation in a competitive field. They are accredited by the Better Business Bureau and own an "A+" rating - the highest the BBB awards. At the time of our evaluation, there were zero complaints on file with the BBB - and more surprisingly, there were nearly 60 positive customer reviews with an average rating approaching a perfect 5 stars. Most people go to the BBB to complain and not to offer praise, so seeing that many positive comments was a remarkable feat - and a good indicator that SmartMatch is a reliable resource for many consumers. Similarly, we found more than 300 ratings for SmartMatch through third-party verification networks, where this service earned an average of 4.7 out of 5 stars. Customers made frequent mention of the knowledgeable and friendly insurance experts they worked with to get the right Medicare plans for their needs.

Best Resource For Buying Medicare Advantage Plans

Our experience with SmartMatch was smooth and reassuring. We loved talking to an expert who asked the right questions in order to find the best available plans for our needs. We were also relieved that there was no pressure to make a decision or to choose any one insurer in particular. We strongly recommend that you use SmartMatch to find your Medicare Advantage plan. They earn our highest rating.

Where Can You Find the Best Medicare Advantage Plans?

As your 65th birthday approaches, it's time to start sorting through your options with respect to Medicare health coverage. Those options include several add-on components, one of which is Medicare Advantage.

What are Medicare Advantage Plans? Essentially, they allow you to take your Part A and B coverage and transfer their management to a private insurance company - often with insurers you may have already used in the past, like UnitedHealthcare and Blue Cross Blue Shield. Although Advantage Plans come with some limitations - most require you to use in-network practitioners to maximize benefits, for example - they can be attractive for a number of reasons.

The Best Medicare Advantage Plans Compare Medicare Advantage Plans Compare Medicare Advantage Plan Reviews What are the best Medicare Advantage Plans Best Medicare Advantage Plan Reviews

Medicare Advantage Plan FAQ

Medicare Advantage Plans are a way of getting your Medicare Part A and Part B coverage through private companies approved by Medicare. These insurers have to follow specific rules in order to participate. These plans typically operate with an HMO or PPO structure, requiring you to use in-network providers for maximum benefits. Some customers appreciate getting their services bundled from an insurance company they already trust, often with extra benefits not found with Original Medicare.
If you have Medicare Part A and Part B, and there's a plan that is available where you live, you're eligible for Medicare Advantage. Bear in mind that Advantage policies are almost always network-based: if you live in another state during the year, your plan may not offer benefits in both places.
Yes! You can enroll in a Medicare Advantage plan either when you first sign up for Medicare A & B or during the yearly enrollment period from October 15 through December 7. Once you're enrolled in a plan, you can switch to a different one or back to Original Medicare from January 1 through March 31. There are also special enrollment periods for certain life events, like moving to a different address, losing your current coverage, or your contract not being renewed.
There are many differences between these two types of additional Medicare coverage. Medicare Supplement Plans, or Medigap, are designed to pay the out-of-pocket costs not paid by Medicare itself. These plans don't include prescription drugs, tend to have higher premiums than Advantage coverage, and you'll pay more if you don't enroll early on in your Medicare coverage. On the other hand, Medicare Advantage Plans are usually much lower in premiums and higher in out-of-pocket costs. Advantage policies often have prescription drug benefits. But, Medicare Advantage doesn't pay any of the costs that original Medicare doesn't cover. You can't be enrolled in both a Medigap plan and an Advantage plan at the same time.
That depends on the plan you select. However, one of the reasons Advantage plans are so attractive is because many of them do include dental, vision, or hearing benefits - or all three!
That also depends on the plan you choose. Almost every Medicare Advantage plan will still have out-of-pocket costs for prescriptions. When getting a quote, have your medications handy: many online quote platforms and insurance brokers will ask for the name and dosage, to provide you with an accurate estimate of what you'll spend for those specific prescriptions with a given Advantage policy.
Believe it or not, there are Medicare Advantage policies that have $0 monthly premiums. Of course, you get what you pay for - and if you want broader coverage and lower deductibles/out-of-pocket costs, your premiums will be higher.
That's a matter of preference. But, it can be helpful to start your search by using a website that offers quotes from multiple insurers, so that you can get a feel for what's available in your area. Many of these referring websites can walk you through the entire application process with any company you select, without pressuring you to choose one over another. On the other hand, if you already know which insurer you want - or maybe there's only one available where you live - there's nothing wrong with getting your plan right from the insurance company.
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Continued from above...

Think of it like an all-inclusive resort: you might give up some flexibility in exchange for knowing that everything is taken care of, from meals to entertainment, and you don't have to try and cobble together a plan for your perfect vacation. Similarly, Medicare Advantage bundles up a number of features, many times including prescription drug coverage and even dental/vision/hearing services, that otherwise you'd have to piece together on your own with separate standalone plans.

Medicare Advantage premiums vary by provider and by plan. It's possible to get a policy with $0 in monthly payments, but those tend to come with higher out-of-pocket costs like office visit copays and annual deductibles. It's also important to point out that you can't have an Advantage plan and a Medigap policy at the same time: you'll need to carefully consider your situation - anticipated health needs, your income and ability to pay monthly premiums vs. paying for hospitalizations and other major medical expenses, and so forth - to strategize which additional Medicare coverage you need and when.

There are two main approaches to buying a Medicare Advantage Plan: go directly to an insurance company or work with a broker. Buying your policy right from an insurer can feel more reliable, choosing a company you already know and trust, maybe even one that has been your healthcare insurance provider in the past. You can usually count on premium quotes to be the lowest possible for that particular company. However, going through a broker or a referral service doesn't necessarily mean you'll pay more - and you gain the advantage of getting policy quotes from multiple providers at once. No insurance company is going to tell you that you might get better coverage from a competitor!

Either route you choose, it's a good idea to do some research in advance: to familiarize yourself with the different Medicare Advantage Plans, their benefits and their average premium costs for someone in your demographic (age, gender, location, etc.). Otherwise you could find yourself feeling pressured to commit to a policy that might not be the best fit for your needs. There are many websites, offered both by brokers/referral services and by the insurance companies themselves, with helpful articles and tools to help you figure out what coverage is best suited to you. Also, be aware that in order to apply for any Medicare Advantage Plan, you'll need to have your Medicare number - so make sure you've taken the steps to enroll in Medicare before choosing your Advantage coverage.

TopConsumerReviews.com has reviewed and ranked the best Medicare Advantage Plans available today. We hope our in-depth evaluations save you some time and hassle - by providing the detailed information you need to select the best provider and plan for your coverage!

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