Medicare Advantage
A private health plan that combines Medicare Part A and Part B coverage and often includes Part D (prescription drugs), sold by insurance companies approved by Medicare, offering an alternative to Original Medicare.
Many Medicare Advantage plans charge $0 premiums but have network restrictions (HMO/PPO). May include extra benefits not covered by Original Medicare: vision, dental, hearing, gym memberships.
→ Compare plans carefully — out-of-pocket maximums and network restrictions vary widely.
Also known as
Take the next step
Frequently asked questions about Medicare Advantage
What is Medicare Advantage?+
A private health plan that combines Medicare Part A and Part B coverage and often includes Part D (prescription drugs), sold by insurance companies approved by Medicare, offering an alternative to Original Medicare. Many Medicare Advantage plans charge $0 premiums but have network restrictions (HMO/PPO).
Who qualifies for Medicare Advantage?+
Most people 65+, plus some younger people with qualifying disabilities or end-stage renal disease.
How do I apply for Medicare Advantage?+
Most people are enrolled automatically at 65. To pick a plan or sign up manually, go to medicare.gov or call your free SHIP counselor.
Where can I get help?+
Call your free State Health Insurance Assistance Program (SHIP) for one-on-one Medicare counseling at no cost, or compare plans at medicare.gov.