Medicare Advantage, also known as Part C, is an alternative to Original Medicare that combines your hospital insurance (Part A) and medical insurance (Part B) into one private health plan. These plans are offered by insurance companies approved by Medicare and are designed to provide comprehensive coverage in a single, easy-to-manage plan.
Medicare Advantage plans must cover everything that Original Medicare covers, but many go beyond basic coverage. Most plans include prescription drug coverage (Part D) and often offer extra benefits such as dental, vision, hearing, wellness programs, transportation, over-the-counter allowances, and fitness memberships. Coverage and benefits can vary by plan and location, so reviewing your options carefully is important.
Many Medicare Advantage plans have low or even $0 monthly premiums, though you still pay your Medicare Part B premium. Instead of paying most costs upfront, you’ll typically pay copays or coinsurance as you use services. One major advantage is that these plans include an annual out-of-pocket maximum, which limits how much you’ll pay for covered medical services in a year—something Original Medicare does not offer.
Most Medicare Advantage plans use provider networks, such as Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs). HMOs usually require you to use in-network doctors and get referrals for specialists, while PPOs offer more flexibility to see out-of-network providers at a higher cost. Choosing a plan that includes your preferred doctors and hospitals is an important step.
To enroll in a Medicare Advantage plan, you must be enrolled in both Medicare Part A and Part B and live in the plan’s service area. You can join, switch, or drop a Medicare Advantage plan during specific enrollment periods, such as your Initial Enrollment Period, the Annual Enrollment Period (October 15–December 7), or the Medicare Advantage Open Enrollment Period (January 1–March 31).
Medicare Advantage may be a good fit if you prefer an all-in-one plan, want extra benefits beyond Original Medicare, and are comfortable using a provider network. It can also be a budget-friendly option for people who want predictable costs and built-in financial protection.
Because plans and benefits can change each year, working with a licensed Medicare agent can help ensure you choose a plan that aligns with your healthcare needs, budget, and lifestyle.
Our platform makes it simple to connect with licensed, knowledgeable Medicare agents near you. Whether you’re enrolling for the first time or reviewing your coverage for next year, we’ll match you with an expert who can help you make confident, informed decisions.
