Medicare Advantage Plans (Part C) – Compare Your Options
A Complete Alternative to Original Medicare
Medicare Advantage plans, also known as Medicare Part C, bundle your Medicare Part A and Part B benefits into a single plan provided by a private insurer. Many include prescription drug coverage (Part D) and offer extra benefits Original Medicare doesn’t — like dental, vision, hearing aids, and even fitness programs. While these plans can be a smart choice for many, the details matter. We’ll help you understand the trade-offs and find a plan to fit your needs.
The Basics of Medicare Advantage
Medicare Advantage plans are approved by Medicare but run by private companies. You still pay your Part B premium, but your care is delivered through the plan’s network of providers—either HMO (requiring referrals and in-network care) or PPO (more flexibility with out-of-network providers available, but typically at higher costs).
Extra benefits can include:
Preventive Dental & Vision Coverage
Hearing Exams & Hearing Aids
Over-the-Counter Allowance
Transportation to Appointments
Wellness Programs & Gym Memberships
Pros & Considerations
Advantages:
- Low or $0 monthly premiums for some plans
- Extra benefits beyond Original Medicare
- Single plan for medical, hospital, and often prescriptions
- Out-of-pocket maximum for predictable costs
Considerations:
- Provider networks may be limited
- Copays and coinsurance can add up
- Benefits and costs may change each year—requiring an annual review
- May need prior authorization for certain services
Medicare Advantage vs. Medicare + Medigap
| Feature | Medicare Advantage (Part C) | Medicare + Medigap (Supplement) |
|---|---|---|
| Monthly Premium | Often low or $0 | Higher (Medigap premium + Part B) |
| Out-of-Pocket Costs | Pay-as-you-go with set max | Minimal after premium |
| Network Restrictions | HMO/PPO networks | Usually any provider accepting Medicare |
| Extra Benefits | Often includes dental, vision, etc. | Typically none beyond Medicare coverage |
The “best” choice depends on your priorities—lower upfront cost vs. more provider flexibility. We can help you compare both options.
When & How to Enroll in Medicare Advantage
- Initial Enrollment: 3 months before, the month of, or up to 3 months after your 65th birthday.
- Annual Enrollment Period (AEP): October 15 – December 7 each year.
- Special Enrollment:
Triggered by events like moving or losing coverage.
Missing a window can limit your options, so it’s important to plan ahead.
FAQs About Medicare Advantage
Do Medicare Advantage plans replace Part A & B?
No—you’re still in Medicare, but the plan administers your benefits.
Can I see any doctor?
Usually no; you’ll have to follow network rules except in emergencies.
What’s the Annual Election Period?
October 15 – December 7; you can join, switch, or leave MA plans.
Can I switch to Medigap later?
Possibly, but outside certain timeframes you may face underwriting. Ask us before making changes.
Get Help Comparing Plans
Medicare Advantage can be a great fit—but only if the plan truly works for you. Let us help you sort through the details.
Contact us for a personal plan comparison or use our online tool to check plans in your zip code.