Medicare Advantage Plans – All-in-One Coverage With Extra Benefits
Enjoy all the benefits of Medicare, plus extra coverage for dental, vision, and prescriptions.
Medicare Advantage (Part C) offers comprehensive healthcare coverage by combining hospital, medical, and often prescription drug benefits into one convenient plan. If you're looking for an alternative to Original Medicare with added perks like vision, dental, and wellness programs, a Medicare Advantage plan could be the right choice.
What is Medicare Advantage?
Medicare Advantage plans are offered by private insurance companies approved by Medicare. These plans provide the same coverage as Original Medicare (Part A & Part B) but often include additional benefits such as:
- Prescription drug coverage (Part D) included in many plans
- Vision, dental, and hearing benefits
- Wellness programs, fitness memberships, and telehealth services
- Lower out-of-pocket costs compared to Original Medicare
Are enrolled in both Medicare Part A and Part B
Live in the plan’s service area
Do not have End-Stage Renal Disease (exceptions may apply)
You may qualify for a Medicare Advantage plan if you:
Who is Eligible?
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What is Medicare Advantage?
Medicare Advantage (Part C) is a private insurance alternative to Original Medicare that combines hospital (Part A) and medical (Part B) coverage, often with prescription drug benefits (Part D) and extra perks like vision, dental, and hearing coverage.
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How is Medicare Advantage different from Original Medicare?
Unlike Original Medicare, Medicare Advantage plans are offered by private insurance companies and typically include additional benefits like prescription drug coverage, vision, dental, and fitness programs. Medicare Advantage plans also have network restrictions, meaning you may need to see doctors within the plan’s network.
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Do Medicare Advantage plans cover prescription drugs?
Many Medicare Advantage plans include prescription drug coverage (Part D). However, if you enroll in a Medicare Advantage plan without drug coverage, you cannot purchase a separate Part D plan—you would need to switch to a different Medicare Advantage plan that includes drug benefits.
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When can I enroll in a Medicare Advantage plan?
- Initial Enrollment Period (IEP): When you first become eligible for Medicare (usually around age 65).
- Annual Enrollment Period (AEP): October 15 – December 7 each year, when you can switch, join, or drop a Medicare Advantage plan.
- Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31, when you can switch to another Medicare Advantage plan or go back to Original Medicare.
- Special Enrollment Period (SEP): Certain life events, like moving to a new area or losing employer coverage, may qualify you for a special enrollment period.
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Do I still have Medicare if I enroll in Medicare Advantage?
Yes. You are still enrolled in Medicare, but your Medicare Advantage plan replaces your Original Medicare benefits and is administered by a private insurance company. You must continue paying your Medicare Part B premium in addition to any premium your Medicare Advantage plan may have.
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Do Medicare Advantage plans have networks?
Yes. Most Medicare Advantage plans require you to use a network of doctors and hospitals to receive full benefits. There are different types of networks:
- HMO (Health Maintenance Organization): Requires you to see in-network providers and get referrals for specialists.
- PPO (Preferred Provider Organization): Offers more flexibility to see out-of-network providers but at a higher cost.
- PFFS (Private Fee-for-Service): Allows you to see any Medicare-approved provider who accepts the plan’s terms.
- SNP (Special Needs Plan): Tailored for people with specific health conditions or financial needs.