Medicare Advantage — Medicare Part C
A private health plan that combines Medicare Part A and Part B coverage and often includes Part D (prescription drugs).
Official source: medicare.gov
Medicare Advantage, sometimes called "Part C," is a type of health insurance plan offered by private companies that have been approved by Medicare. These plans bundle your Medicare Part A (hospital insurance) and Part B (medical insurance) coverage into one plan. Many plans also include prescription drug coverage (Part D) and extra benefits that Original Medicare doesn't cover, like vision, dental, hearing, or even gym memberships. While many Medicare Advantage plans have no monthly premium, they often have network rules, meaning you might need to see doctors or hospitals that are in the plan's network, like an HMO or PPO. These plans are for people eligible for Medicare. It's smart to compare different plans because costs you pay yourself and network limitations can be very different from one plan to another.
In real life
- A person chose a Medicare Advantage plan because it covered her doctor visits and prescription drugs, all in one plan.
- Someone enrolled in Medicare Advantage to get extra benefits like dental and vision care not offered by Original Medicare.
- A senior citizen reviewed different Medicare Advantage plans to find one that best fit his health needs and budget.
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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.
Source: medicare.gov