Medicare Advantage Plans
Start with the basics: what Parts A, B and C cover, and where Medicare Advantage fits in.
Medicare Parts A, B and C
Original Medicare is Part A and Part B. Part C is the Medicare Advantage option.
Hospital insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice and some home health care.
Medical insurance
Covers doctor visits, outpatient care, preventive services and medical equipment.
Medicare Advantage
A private plan that includes Parts A and B, and often prescription drugs and extra benefits.
Part D is prescription drug coverage. It can be a separate plan or included in a Medicare Advantage plan.
How Part C works
Medicare Advantage is a way to get your Medicare benefits through a private insurance company approved by Medicare. You get your Part A and Part B coverage in one plan, and many plans add prescription drug coverage and extras.
- You must have Medicare Parts A and B
- You generally keep paying your Part B premium
- Costs and benefits vary by plan and location
Common plan types
Each type works a little differently, especially around doctors and referrals.
Network-based care
Uses a network of doctors and hospitals. You usually choose a primary care doctor and get referrals to see specialists.
More flexibility
You can see providers outside the network, though costs are often lower when you stay in network.
Special Needs Plans
Designed for specific situations, such as certain chronic conditions or people who qualify for both Medicare and Medicaid.
Extra benefits many plans offer
What’s included depends on the plan, so I check the details for your area.
Dental
Routine checkups and cleanings on many plans.
Vision
Eye exams and allowances for glasses or contacts.
Hearing
Hearing exams and hearing aid allowances.
Fitness
Gym memberships and wellness programs on some plans.
Not every plan includes every benefit. Prescription drug coverage is included in most Medicare Advantage plans.
What I check for you
Before you choose, I look at the details that affect your day-to-day care.
Doctors & hospitals
Are the providers you trust in the plan’s network?
Prescriptions
Are your medications covered, and what will they cost?
Yearly costs
Premiums, copays and the yearly out-of-pocket limit.
Pharmacies
Are your preferred pharmacies and locations included?
Not sure which plan fits you?
Tell me about your doctors, medications, and budget. I’ll compare the plans available in your area.