Medicare Advantage, Member-Focused
Our Medicare Advantage plans feature comprehensive coverage that’s tailored to our community. We partner with doctors, hospitals and our own members to create the benefits people want most in a plan. Download our Medicare enrollment kit now to get detailed plan information and more.
Featured Plans
Our Medicare Advantage plans do more than save you money on monthly premiums. They also deliver lower copays, additional prescription savings and more.
FIRSTMEDICARE DIRECT
POS STANDARD (HMO-POS)
$0/month*
$5** Primary Care Provider Visit- $30** Specialist Visit
- $0 Medical Deductible
- $3,200† Yearly Limit
(not including Rx)
FIRSTMEDICARE DIRECT
SMARTHMO (HMO)
$0/month*
- $0 Primary Care Provider Visit
- $30 Specialist Visit
- $0 Medical Deductible
- $2,400 Yearly Limit
(not including Rx)
*Doesn’t include Part B premium, which is required for all Medicare plans. **This is the cost for in-network providers. †This is the in-network yearly limit. This plan has a combined (both in-network and out-of-network) yearly limit of $8,950.
FirstMedicare Direct Member Perks
NEW! Benefits Mastercard® Prepaid Card‡ (Flex Card)
Included with our FirstMedicare Direct POS Standard (HMO-POS) plan, this Flex Card‡ is preloaded with coverage for services you use regularly.
Just swipe and go.
- Fitness activities.
- Vision hardware.
- Over-the-counter products.
‡The Benefits Mastercard® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Card can be used for eligible expenses wherever Mastercard is accepted. Valid only in the U.S. No cash access. Not available in Wake County with SmartHMO (HMO).
Additional Perks
OTC Benefit
Get a quarterly benefit to purchase over-the-counter (OTC) products at participating retailers or online.
Nurse Advice Line
Get access to healthcare information from specially trained nurses, 24 hours a day, seven days a week, with the Nurse Advice Line.
Preventive Services
Get more preventive care with coverage for vaccines, screenings and a yearly wellness visit.
Have questions about our Medicare plans?
Join us for an upcoming informational event. Whether attending online or in person, you’ll get useful information about plans, benefits, costs and more. Our Medicare experts are happy to answer your questions and help you make an informed Medicare decision.
See EventsGet the enrollment kit now.
It includes everything you need to confidently navigate Medicare:
Enrollment Guide
See a breakdown of our plan coverage, member perks, wellness programs, prescription tiers and more.
10 Common Medicare Mistakes
Review Medicare basics and commonly overlooked features.
Frequently Asked Questions
Here are some of the most common questions asked about FirstMedicare Direct Medicare Advantage coverage. For more topics and details, download our free enrollment kit.
- Yes! Both FirstMedicare Direct POS Standard and SmartHMO plans cover preventive dental services at in-network providers. Benefits vary by plan, so check your Summary of Benefits for more details.The drug formulary (the list of drugs we cover) is available online at our Plan Information Tool. Just enter your ZIP code, pick a plan and select “find prescriptions.” You can search for any prescription to see coverage and costs, as well as any available generic equivalent.Yes! FirstMedicare Direct POS Standard and SmartHMO plans include virtual coverage, like the ability to talk with a primary care provider virtually for routine wellness visits, preventive care and chronic care. Get unlimited visits at no additional cost. Additional virtual visit benefits vary by plan. For questions and enrollment, call (800) 400-6354 (TTY 711).Yes! FirstMedicare Direct POS Standard and SmartHMO plan members save money with the new over-the-counter (OTC) supplemental benefit. Receive a quarterly benefit to purchase OTC products at participating retailers nationwide and online from a catalog with hundreds of products to choose from. Benefits vary by plan, so check your Summary of Benefits for more details.Yes! The POS Standard plan includes our Be Fit program, offering a $360/year benefit to use on a variety of fitness activities. Our SmartHMO plan includes no-cost access to a variety of fitness options and community events. Benefits vary by plan, so check your Summary of Benefits for more details.Our FirstMedicare Direct POS Standard and SmartHMO plans include full member access to hally.com (no login required). At hally.com, you’ll find health tools, tips and resources, like free fitness and cooking classes. You can also access your plan coverage anytime, anywhere with your secure Hally® account on the MyChart app.
Don’t see your question?
You can ask us directly. Click the “Chat With An Expert” icon to begin. We’re happy to help you find answers and solutions to your unique healthcare situation. Chat times are Monday – Friday, 8 a.m. to 5 p.m. local time.
We are FirstMedicare Direct.
Customer service is our focus:
85%
of members stay with us from year to year.
96%
of issues are resolved by customer service representatives on the first call.
90%
of clean claims are processed within 10 business days.
84%
of our employer groups stay with us from year to year.
I tell everybody I know that if they can get it, they need to get FirstMedicare Direct. The people are simply fabulous to deal with.
– Eugene Horne FirstMedicare Direct Member