Medicare Advantage Plans

Disclaimer: " We do not offer every plan available in your area. Currently, we represent 10 organizations which offer 26 products in your area." Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 

Carriers Represented (Medicare Advantage Plans)

I am licensed to represent and assist you with Medicare Advantage (Part C) and Prescription Drug (Part D) plans from the following insurance companies:

• Aetna Medicare – Comprehensive regional networks offering HMO and PPO plans with bundled prescription drug coverage. (Note: Aetna Medicare Supplement plan options are featured on a separate section of this website).

• UnitedHealthcare – Nationwide provider networks with robust ancillary dental, vision, and hearing benefits. (Note: UnitedHealthcare Medicare Supplement plan options are featured on a separate section of this website).

• Cigna Healthcare / HealthSpring – Coordinated care networks designed to manage and optimize your personalized healthcare goals. (Note: Cigna HealthSpring Medicare Supplement plan options are featured on a separate section of this website).

• SCAN Health Plan – Highly rated, not-for-profit Medicare Advantage plans focused on helping older adults stay independent.

• Imperial Health Plan of California – Dedicated clinical networks managing coordinated outcomes throughout California.

• Optimum HealthCare – Specialized HMO and chronic care infrastructure built extensively for regional beneficiary needs.

• Freedom Health – Value-driven HMO and PPO plans boasting strong supplemental allowances and wellness benefits.

• Devoted Health – All-in-one healthcare plans emphasizing dedicated clinical guidance and competitive personal allowances.

• Wellcare Plans of Florida – Specialized prescription drug alignments and diverse network options under the Centene portfolio.

• Wellpoint – Consumer-centric regional plans prioritizing accessible preventive care and deep local network partnerships.

• Simply Healthcare – Regionally tailored plans offering specialized managed care benefits built around local provider choices.

• Molina Healthcare – Focused managed care solutions specializing in high-utility, coordinated government-sponsored health benefits.

Required Compliance & Underwriting Disclosures

• Agent Credentials: Serviced by licensed agent John Riker (NPN: 615671). For inquiries or policy service, please contact John.riker@fullfinancialagency.com.

• State & Area Availability Notice: All insurance plans, product features, and carrier representations are strictly subject to the carrier being approved and the specific plan being approved for sale in the state of purchase. Benefits, premiums, copayments, and network availability vary by geographic area, state, and zip code.

• Aetna: Aetna Medicare is a HMO, PPO plan with a Medicare contract. Enrollment in Aetna Medicare depends on contract renewal.

• UnitedHealthcare: Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan's contract renewal with Medicare.

• Cigna Healthcare / HealthSpring: Cigna Healthcare is a Medicare Advantage organization with a Medicare contract. Enrollment in Cigna Healthcare depends on contract renewal.

• SCAN Health Plan: SCAN Health Plan is an HMO plan with a Medicare contract. Enrollment in SCAN Health Plan depends on contract renewal.

• Imperial Health Plan: Imperial Health Plan of California, Inc. is an HMO plan with a Medicare contract. Enrollment in Imperial Health Plan depends on contract renewal.

• Optimum & Freedom Health: Optimum HealthCare, Inc. and Freedom Health, Inc. are HMO and PPO organizations with a Medicare contract. Enrollment depends on contract renewal.

• Devoted Health: Devoted Health is an HMO and PPO plan with a Medicare contract. Enrollment in Devoted Health depends on contract renewal.

• Wellcare: Wellcare plans are insured through WellCare Health Plans, Inc., a subsidiary of Centene Corporation, under a Medicare Advantage contract. Enrollment depends on contract renewal.

• Wellpoint & Simply Healthcare: Wellpoint and Simply Healthcare health plans are Medicare Advantage organizations with Medicare contracts. Enrollment in these health plans depends on contract renewal.

• Molina Healthcare: Molina Healthcare is a Health Plan with a Medicare contract. Enrollment in Molina Healthcare depends on contract renewal.

• Solicitation Notice: This is a solicitation of insurance, and a licensed agent/producer may contact you

There is not a one size feets all for medical insurance coverage.  Insurance coverage helps to gain access to care and avoid costly gaps of out of pocket expenses and, lifetime penalties for not having prescription coverage. Your individual needs, location, preferred doctors, specialists, prescriptions, hospitals, primary care, urgent care, current health conditions, desires for new doctors, hospitals help an insurance specialist find the plans that more closely match your needs. No plan is #1 or best. No insurance will cover everything and, neither will Medicare. If you have assets, uncovered medical expenses from short term instances to long term periods, can devastate one's finances. The abilities to obtain food and safe housing are considerations- do you have or have you applied for Medicaid coverage and in what State. Do you have problems in a substantive way and been diagnosed by a medical professional with 2 of the following: eating, bathing, transferring yourself across a room or residence, dressing yourself, going to the bathroom and not having the ability to hold or control the release of urine or feces. Or, have you had any diagnoses of dementia or Alzheimer's?

 A prerequisite for Medicare Advantage is that you be Enrolled in Part A (Hospital Insurance) and Part B (Medical Insurance) and that you continue to be enrolled in both. You also must permanently reside in the specific county or geographic service area covered by the plan.  A strategic review of you and your loved one's coverage with a licensed professional can assist you in find options tailored to your needs.

The 8 Instrumental Activities of Daily Living

1. Managing Finances

2. Managing Medications

3. Transportation

4. Shopping

5. Meal preparation

6. Housework

7. Communication

8. Managing Technology