Product Thesis

​Medicare Advantage, also known as Part C, is an "all-in-one" alternative to Original Medicare. These plans are offered by private companies—like our partners Aetna, Humana, and Medica—and are approved by the Centers for Medicare and Medicaid Services.

When you join a Medicare Advantage plan, you still have Medicare, but you get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Medicare Advantage Plan, not Original Medicare.

Why Choose Medicare Advantage?

Most Medicare Advantage plans offer coverage for things that Original Medicare simply doesn’t touch. Common benefits include:

• Prescription Drug Coverage (Part D): Some plans include "built-in" drug coverage, so you don't have to purchase a separate policy.

• Vision, Dental, and Hearing: Many plans include routine exams, glasses, and even hearing aids.

• Out-of-Pocket Maximums: Unlike Original Medicare, these plans have a yearly limit on what you pay for covered services. Once you reach that limit, the plan pays 100% for the rest of the year.

• Wellness & Fitness + Additional Benefits: Many of our providers offer gym memberships and expense compensation options.

Choosing the Right Network

Since Medicare Advantage plans use provider networks, it’s vital to ensure your preferred doctors and hospitals are included. JHN Finance specializes in comparing:

• HMOs (Health Maintenance Organizations): Usually require you to see doctors within the network.

• PPOs (Preferred Provider Organizations): Offer more flexibility to see out-of-network providers (usually at a higher cost).

Why Trust JHN Finance with Your Medicare?

You’ve worked hard for your retirement; you shouldn't have to work hard to keep it healthy.

• Expert Guidance: We know the Minnesota and Missouri markets.

• A Personal Connection: Skip the government websites and automated call centers. When you work with JHN Finance, you have a dedicated broker who knows your name and provides you proper direction the first time.

• No Added Cost: Our consultation and enrollment services are free to you. We are compensated by the providers, allowing us to focus entirely on finding the best plan for your needs.

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