Medicare Advantage (Part C) is an alternative to Original Medicare that’s offered by private insurance companies. These plans combine your hospital (Part A) and medical (Part B) coverage into one plan, and many also include prescription drug coverage and extra benefits like dental, vision, or hearing.

Yes. When you enroll in a Medicare Advantage plan, it becomes your primary coverage instead of Original Medicare. You still remain enrolled in Medicare, but your plan handles your benefits and claims.

Some Medicare Advantage plans have $0 monthly premiums, but that doesn’t mean all healthcare costs are free. You’ll still be responsible for things like copays, deductibles, and your Medicare Part B premium.

It depends on the plan. Medicare Advantage plans use provider networks (like HMOs or PPOs), so you’ll want to make sure your doctors and hospitals are in-network before enrolling.

Many Medicare Advantage plans include prescription drug coverage (Part D), but not all do. It’s important to review plan details to make sure your medications are covered.

You can enroll during your Initial Enrollment Period when you first become eligible for Medicare, or during the Annual Enrollment Period from October 15 to December 7 each year. There are also special situations that may allow you to enroll at other times.

Medicare Advantage may be a good fit if your doctors, prescriptions, budget, and coverage needs line up with the plan. Because plans vary by county, it helps to compare your options with a licensed local Medicare expert before enrolling.

Want help reviewing your options? Call us at (855) 633-2638 to speak with a licensed local Medicare expert.