Medicare Advantage

Medicare Advantage (Part C) plans are an increasingly popular alternative to Original Medicare, especially because of their added benefits and cost-saving features. Here’s a clearer breakdown of what Medicare Advantage includes and why it’s drawing more enrollees each year:

What Is Medicare Advantage (Part C)?

Medicare Advantage is a plan offered by private insurance companies approved by Medicare. It bundles Part A (hospital) and Part B (medical) coverage, and often includes Part D (prescription drug) coverage too — all in one plan.

Key Benefits of Medicare Advantage Plans

Feature
Details
Coverage
Everything Original Medicare covers (Parts A & B), plus often vision, dental, hearing, and wellness programs
Prescriptio n Drugs
Most plans include Part D
Out-ofPocket Limit
Annual cap on what you pay out-of-pocket for Part A and B services — Original Medicare has no limit
Low/No Premiums
Some plans offer premiums as low as $0/month, though you still pay your Part B premium
Extra Benefits
Gym memberships, telehealth, over-the-counter (OTC) benefits, transportation, and more
Managed Care
Often HMOs or PPOs with a provider network — may need referrals or innetwork care for best pricing

Enrollment Periods to Know

  • Initial Enrollment: When you first become eligible (around age 65)
  • Annual Enrollment Period (AEP): October 15 – December 7
    • Switch between Medicare Advantage and Original Medicare
    • Change or enroll in a new Advantage or drug plan
  • Medicare Advantage Open Enrollment: January 1 – March 31
    • Switch from one Medicare Advantage plan to another, or go back to Original
      Medicare

Avoiding late enrollment or missing the window can result in penalties, especially for Part
D.

Is Medicare Advantage Right for You?

Ask yourself

  • Do you want extra benefits (like vision or dental)?
  • Are you okay with provider networks?
  • Would you benefit from an annual out-of-pocket cap?

Would you like help comparing Medicare Advantage plans available in your area or
checking if your medications and doctors are covered?


Find out if Medicare Advantage is for you.

Our Medicare benefits consultants make
enrolling fast and easy!
Call 844-765-5098 to speak with License Agent