Medicare
Medicare that keeps the paperwork on our side of the desk.
Medicare Advantage, standalone Part D, and Medicare Supplement plans in the 96 counties where Veranta holds a contract. One member card, one number to call, and a plan year that does not surprise you in March.
Three ways to get Medicare with Veranta
Medicare Advantage (Part C)
Everything Original Medicare covers, plus drug coverage and extras, delivered through one plan with one card. This is what most of our Medicare members choose.
Compare the three Prime plans →Part D prescription drug
Standalone drug coverage that sits alongside Original Medicare or a Supplement plan. Two options, one built for people taking mostly generics.
What Part D covers →Medicare Supplement (Medigap)
Fills the gaps Original Medicare leaves: the Part A deductible, coinsurance, and excess charges. Plan G and Plan N, no network at all.
How Supplement differs →You cannot hold a Medicare Advantage plan and a Medicare Supplement plan at the same time. They are two different answers to the same problem. A licensed agent can explain which suits your situation, and there is no charge for that conversation.
Veranta Prime Medicare Advantage plans
All three Prime plans include Part D drug coverage, dental, vision, hearing, and a fitness benefit. The difference is the network and how far the extras go. Prime HMO keeps costs lowest by asking you to stay in network and use a primary care doctor as your first stop. Prime PPO lets you go out of network for a higher share. Prime Plus adds the largest allowances for members who use them.
| Veranta Prime HMOIn-network only | Veranta Prime PPOIn and out of network | Veranta Prime Plus PPOIn and out of network | |
|---|---|---|---|
| Monthly plan premium | $0 | $39 | $94 |
| Medical deductible | $0 | $0 | $0 |
| Primary care visit | $0 | $5 | $0 |
| Specialist visit | $35 | $40 | $25 |
| Inpatient hospital | $350/day, days 1–5 | $325/day, days 1–5 | $275/day, days 1–4 |
| Emergency room | $110 | $110 | $95 |
| Part D included | Yes | Yes | Yes |
| Dental allowance | $1,000/yr | $1,500/yr | $2,500/yr |
| Eyewear allowance | $200/yr | $250/yr | $400/yr |
| Hearing aids | $699–$999 per aid | $599–$899 per aid | $399–$699 per aid |
| Over-the-counter card | $40/quarter | $60/quarter | $125/quarter |
| Fitness benefit | Included | Included | Included |
| Transport to appointments | 24 trips/yr | 36 trips/yr | 60 trips/yr |
| Maximum out of pocket | $4,900 | $5,900 | $3,950 |
Prescription drug coverage
Every Prime plan includes Part D. If you would rather stay with Original Medicare, we sell two standalone drug plans: Veranta Rx Basic, built for members whose prescriptions are mostly generic, and Veranta Rx Complete, which has a broader formulary and lower cost sharing on brand-name and specialty drugs.
Both use the same five-tier formulary. Tier 1 preferred generics are $0 at preferred pharmacies on either plan. Where they differ is Tiers 3 through 5, and that is where the annual cost difference shows up for most people.
Before you choose
Run your actual prescriptions through the drug list. The plan with the lower premium is frequently not the cheaper plan once a single brand-name drug is in the mix, and that is the mistake that costs people the most.
Medicare Supplement
A Supplement plan does one job: it pays the share of Original Medicare's costs that Medicare leaves to you. There is no network, so any provider who accepts Medicare accepts the plan. There is also no drug coverage, so most Supplement members buy a standalone Part D plan alongside it.
| Plan G | Plan N | |
|---|---|---|
| Part A deductible | Covered in full | Covered in full |
| Part A coinsurance | Covered in full | Covered in full |
| Part B coinsurance | Covered in full | Covered, with copays |
| Office visit copay | None | Up to $20 |
| Emergency room copay | None | Up to $50 |
| Part B excess charges | Covered | Not covered |
| Part B deductible | You pay it | You pay it |
| Foreign travel emergency | 80% to plan limits | 80% to plan limits |
The six months after you turn 65 matter more than anything else on this page. During your Medigap open enrollment period you can buy any Supplement plan we sell at the standard rate, regardless of your health. After it closes, medical underwriting applies in most states.
Dates that matter
| Window | What you can do |
|---|---|
| Initial enrollment | The seven months around your 65th birthday: three before, your birthday month, and three after. Join any plan you are eligible for. |
| Oct 15 – Dec 7 | Annual enrollment. Join, switch, or drop an Advantage or Part D plan. Changes start January 1. |
| Jan 1 – Mar 31 | Medicare Advantage open enrollment. If you are already in an Advantage plan you may switch once, or return to Original Medicare. |
| Medigap open enrollment | Six months from the first day of the month you turn 65 and have Part B. No medical underwriting during this window. |
| Special enrollment | Triggered by moving out of the service area, losing employer coverage, or a change in Medicaid eligibility. |
Questions we get asked
Do I have to give up Original Medicare to join a Prime plan?
No. You stay enrolled in Medicare Parts A and B and keep paying the Part B premium. The Advantage plan becomes the way your Medicare benefits are delivered, and Veranta administers them rather than the federal government.
What does the star rating actually measure?
Medicare rates plans from 1 to 5 each year on about forty measures across five categories: staying healthy, managing chronic conditions, member experience, complaints and member retention, and customer service. Our 2026 overall rating is 4.5.
My doctor is not in the Prime network. What are my options?
On Prime PPO or Prime Plus you can see them out of network at a higher cost share. On Prime HMO you cannot, except in an emergency. If keeping that doctor matters more than the extras, a Supplement plan plus standalone Part D is usually the better shape.
Can I change my mind after I enroll?
During Medicare Advantage open enrollment, January 1 to March 31, you get one change. Outside that window you need a special enrollment period. Supplement plans can be dropped at any time, but getting back into one may require underwriting.
Is the dental allowance use-it-or-lose-it?
Yes. Allowances run with the plan year and do not roll over into the next one. The over-the-counter benefit works the same way but resets quarterly.
Veranta Health is a fictional organization used for demonstration purposes. Nothing on this page is a real insurance product, a real star rating, or an offer of coverage. Benefit figures are illustrative and do not describe any plan sold by any real insurer.
On a real site this is where the CMS-required contract statement, the non-discrimination notice, and the plan year disclaimer would appear.
Talk it through with a licensed agent
No charge, no obligation, and no commission difference between the plans they can offer you. Monday through Friday, 8am–8pm ET.