Medicare Advantage (Part C)
Medicare Advantage plans, also known as Part C, are an all-in-one alternative to Original Medicare. These plans are offered by private insurance companies approved by Medicare and include everything that Part A (Hospital Insurance) and Part B (Medical Insurance) cover — plus extra benefits, in some cases.
What’s Included
- Hospital care (inpatient)
- Doctor visits (outpatient)
- Most include prescription drug coverage (Part D)
- Extra benefits like vision, dental, hearing, and wellness programs
- In some cases, transportation or over-the-counter allowances
How They Work
Instead of getting Medicare coverage directly from the government, you get it through a private insurer. You’ll still have to follow the plan’s network rules for doctors, specialists, and hospitals, and you may need referrals for certain services.
Costs to Consider
- You’ll still pay your Part B premium (and sometimes an additional plan premium)
- Copays, coinsurance, and deductibles will depend on your plan
- Each plan has an annual maximum out-of-pocket limit — once you hit that number, you won’t pay for covered services for the rest of the year
Who It’s Best For
- People who want all-in-one coverage (medical + drug + extras) in one plan
- Those who are comfortable using a network of providers
- Individuals looking for added benefits not included in Original Medicare
Need help deciding if Medicare Advantage is right for you?
We’ll walk you through the options, compare benefits and costs, and help you choose a plan that fits your healthcare needs and budget.