What is Medicare Advantage (Part C)?
A Medicare Advantage (Part C) plan combines Original Medicare Part A (hospital insurance) and Part B (medical insurance) in one plan. It usually includes prescription drug coverage and may offer additional benefits such as dental, vision and fitness, often at no additional premium charge.
Is it different from Original Medicare?
Yes. Original Medicare plans come directly from the federal government. Medicare Advantage plans are offered by private insurance companies.
Is it different from Medicare Supplement insurance?
Yes. Medicare supplement insurance, also called Medigap, is also available from private insurance companies. Medigap adds to Original Medicare while Medicare Advantage replaces it.
Is it different from Medicare Part D?
Yes. Medicare prescription drug (Part D) plans are generally used in addition to Original Medicare. Most Medicare Advantage plans also include prescription drug benefits.
What Medicare Advantage plans are available to me?
Medicare Advantage plans operate within defined geographic regions called service areas. To join a plan, you need to live in its service area. Coverage and costs can vary by plan and location.
Who should enroll in a Medicare Advantage plan?
Anyone who is eligible for Original Medicare can choose a Medicare Advantage plan. To find which plan best fits your needs and budget, start with a plan comparison tool.