Medicare Advantage (Part C)

If you want a more all-in-one option, Medicare Advantage (also called Part C) might be worth comparing. These plans are offered by private insurance companies and bundle together several coverages.

What Is Medicare Advantage?

A Medicare Advantage plan replaces Original Medicare (Parts A & B). Most plans also include Part D (drug coverage) and often add extra benefits that Original Medicare doesn’t cover.

Who Can Enroll in Medicare Advantage?

You can join a Medicare Advantage plan if you:

  • Have both Parts A and B

  • Live in the plan’s service area (based on zip code and county)

  • You need to be a U.S. citizen, or be lawfully living in the United States for at least 5 years in a row.

  • Enroll during a valid enrollment window

Types of Medicare Advantage Plans

  • PPO (Preferred Provider Organization)
    You can see both in-network and out-of-network providers. You usually pay less when you stay in-network.

  • HMO (Health Maintenance Organization)
    You have to use the plan’s network of providers and will need a referral to see specialists.

  • HMO-POS (HMO + Point-of-Service)
    Works mostly like an HMO, but lets you sometimes go out of network (for certain services such as dental) with higher cost.

Let’s Make It Simple

Medicare Advantage plans bundle your hospital, medical, and often drug coverage into one plan. Many also include benefits beyond Original Medicare and set a yearly maximum out-of-pocket limits, giving you a financial safety net for your healthcare costs.

Medicare Advantage plans use networks, which means it’s important to be sure your doctors and prescriptions are covered. I go through multiple sources to verify this for you, so you can feel confident with your choices.

Curious if a Medicare Advantage plan might be a good fit for you? Reach out today, and let’s explore your options together.