Medicare Advantage (Part C)
What is Medicare Advantage?
- Be signed up for Parts A & B
- Live in the service area of your chosen plan
- Not have end-stage renal disease
A Medicare Advantage plan is a type of Medicare Insurance plan in which Medicare pays a private insurance company a nominal fee every month to manage your care for you. You still pay your Medicare premiums however Medicare is not be your primary insurance. Medicare Advantage plans (with names like HMO, PPO, PPF, etc.) typically include the prescription plan, Part D. When you have a Medicare Advantage plan you still have Medicare and still pay for it; however, it is not your primary insurance anymore. The Medicare Advantage carrier becomes your primary insurance.
Remember:
Medicare is paying a private carrier to manage your care for you. With a Medicare Advantage plan you show only your Medicare Advantage insurance card when you go to the doctor or pharmacy. You can even keep the Medicare card at home. Even though Medicare is not your primary, you still need to keep and pay for your Medicare Parts A and Part B.
Pros:
These plans come with low or even $0 premiums. Medicare Advantage plans also typically come with extra benefits not covered by Original Medicare, such as dental, vision, transportation, OTC products, and hearing aids.
Cons:
Downloadable Guide
Your Guide to Medicare
The Medicare & You Handbook explains the latest coverage details, costs, and important changes to your benefits. This resource is essential for understanding how your plan options may evolve from year to year—and making informed choices during the Annual Enrollment Period.
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