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Medicare ADVANTAGE
Medicare Advantage (Part C)
Medicare Advantage plans are all-in-one alternatives to Original Medicare offered by private insurance
companies, often combining hospital, medical and prescription drug coverage with extra benefits
like dental, vision, hearing, gym memberships and OTC
All-in-one coverage for hospital, medical and often prescriptions
Extra benefits not included with Original Medicare
Low monthly premiums available in many areas
Built-in financial protections with a yearly max out-of-pocket limit
Convenient managed care structure for coordinated healthcare
Key Benefits of Medicare Advantage Plans
Medicare Advantage plans offer a convenient, all-in-one approach to healthcare coverage with additional benefits beyond Original Medicare.
All-in-One Coverage
Combines hospital (Part A), medical (Part B), and often prescription drug coverage (Part D) into a single, easy-to-manage plan.
Additional Benefits
Many plans include extras like dental, vision, hearing, transportation, and fitness programs not covered by Original Medicare.
Low Monthly Premiums
Some plans offer low or even $0 monthly premiums (you still pay your Medicare Part B premium).
Financial Protection
Includes an annual maximum out-of-pocket limit, helping protect you from high medical costs.
Coordinated Care
Plans often focus on coordinated care, helping manage your healthcare through networks and primary care providers.
Predictable Cost Structure
Many services have set copays, making it easier to understand your costs ahead of time.
Medicare Advantage plans can be a great option for those looking for bundled coverage, extra benefits, and built-in cost protection.
Types of Medicare Advantage Plans
Not all Medicare Advantage plans work the same. Understanding the different plan types can help you choose coverage that fits your doctors, health needs, and budget.
HMO (Health Maintenance Organization)
HMO plans typically require you to use a network of doctors and hospitals. You usually need a primary care physician and referrals to see specialists, but these plans often have lower out-of-pocket costs.
PPO (Preferred Provider Organization)
PPO plans offer more flexibility, allowing you to see both in-network and out-of-network providers without referrals. Costs are usually lower when you stay within the network.
D-SNP (Dual Eligible Special Needs Plan)
D-SNP plans are designed for individuals who qualify for both Medicare and Medicaid. These plans often provide additional support, reduced costs, and coordinated care services.
C-SNP (Chronic Condition Special Needs Plan)
C-SNP plans are tailored for individuals with certain chronic health conditions, such as diabetes or heart disease. They offer specialized care management and targeted benefits.
Choosing the right Medicare Advantage plan depends on your doctors, prescriptions, health needs, and how much flexibility you want in your care.
Medicare Supplement vs. Medicare Advantage
Both options can be great depending on your needs. The key is understanding how they differ so you can choose the coverage that fits your lifestyle and budget.
Medicare Supplement (Medigap)
Best for flexibility and predictable costs
- Works with Original Medicare (Part A & B)
- Typically no networks – see any doctor who accepts Medicare
- No referrals needed for specialists
- More predictable out-of-pocket costs
- Requires a separate Part D plan for prescriptions
- Usually higher monthly premiums
- Great for people who travel frequently
Medicare Advantage (Part C)
Best for bundled coverage and lower premiums
- All-in-one coverage: Part A, B, and often Part D
- Uses provider networks (HMO or PPO)
- May require referrals for specialists
- Includes extra benefits (dental, vision, hearing)
- Often lower monthly premiums
- Has a maximum out-of-pocket limit
- Coverage and costs can change annually
There’s no one-size-fits-all answer. The right choice depends on your doctors, prescriptions, budget, and how you prefer to receive care.
Find Plans Available in Your Area
Enter your ZIP code to see Medicare Advantage and Supplement plans available near you. We’ll help you compare options and find the best fit for your needs.
No obligation. Your information is kept private and secure.
Plan availability, pricing, and benefits vary by location. That’s why starting with your ZIP code is the best way to see accurate options.
Medicare Advantage plans can have yearly costs
up to $10,000 per year, not including prescriptions. Hospital indemnity plans can help offset those costs by providing cash benefits for hospital stays, cancer, ambulance etc.
We may not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.