Medicare Advantage (Part C)
Learn how Medicare Advantage works, what to consider, and whether it may fit your needs.
What is Medicare Advantage?
Medicare Advantage, also called Part C, is another way to receive your Medicare Part A and Part B benefits through a private insurance company approved by Medicare. Many plans also include prescription drug coverage and may offer additional benefits such as dental, vision, hearing, fitness, or transportation.
Plans vary by insurance company and service area, so it is important to look beyond extra benefits and review the full picture — including your doctors, prescriptions, network, costs, and coverage needs.
Potential Benefits
- Medical and, in many plans, prescription drug coverage together
- Some plans may have a $0 additional monthly plan premium
- Additional benefits may be included depending on the plan
- Annual out-of-pocket limits for covered Part A and Part B services
Things to Consider
- Provider networks can vary by plan
- Some plans may require referrals or prior authorization
- Copays, benefits, drug coverage, and provider access vary
- You must continue paying your Medicare Part B premium
What I look at with you
Your Doctors
We check whether the doctors and specialists you want to keep participate in the plan.
Your Prescriptions
We review your medications, formulary coverage, preferred pharmacies, and estimated costs.
Your Budget
We look beyond the monthly premium and review copays, deductibles, and possible out-of-pocket costs.
Your Priorities
We consider the benefits and features that matter most to you, not just what looks attractive on paper.
Could Medicare Advantage be a good fit?
That depends on your individual needs. I help you compare available options based on your doctors, prescriptions, budget, health care needs, and personal priorities. Sometimes a Medicare Advantage plan may make sense. Sometimes keeping your current coverage may be the better choice.
My goal is to help you understand your options — not to pressure you into changing plans.