Medicare Advantage Plans
All-in-one coverage through private insurance companies approved by Medicare.
Have Questions About Medicare Advantage?
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What Is Medicare Advantage?
Medicare Advantage, also called Part C, is another way to get your Medicare benefits. Instead of Original Medicare, your Part A (hospital) and Part B (medical) coverage comes through a private plan approved by Medicare. Most plans also include prescription drug coverage, and many offer extras like dental, vision and hearing.
Types of Plans
HMO
Generally you use doctors and hospitals in the plan's network, and you may need referrals to see specialists. Some HMOs allow certain out-of-network services for a higher cost.
PPO
You can see providers in or out of network. You'll usually pay less if you stay in network.
PFFS
You can see any provider who accepts the plan's payment terms.
Special Needs Plans
For people with specific needs, like those who have both Medicare and Medicaid or certain chronic conditions.
Good to Know
Who can join?
Anyone with Medicare Parts A and B who lives in the plan's service area.
What does it cost?
You still pay your Part B premium. Plan premiums, copays and deductibles vary by plan, and every plan has a yearly limit on in-network out-of-pocket costs.
What's covered?
Everything Original Medicare covers except hospice, which Original Medicare still covers. Emergency and urgent care are always covered.
Do plans change?
Yes, every year. It's worth reviewing your coverage during the Annual Enrollment Period, October 15 – December 7.