Medicare Part C, more commonly known as Medicare Advantage, offers an alternative way to receive your Medicare benefits. Unlike Original Medicare, which is administered directly by the federal government, Medicare Advantage plans are provided by private insurance companies approved by Medicare. These plans bundle Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) into one, and often include additional benefits.

What Does Medicare Part C Cover?

Medicare Advantage plans cover everything that Original Medicare does, but many go further by offering additional services such as:

• Prescription Drug Coverage: Many Part C plans include Medicare Part D coverage, allowing enrollees to obtain their prescription medications directly through the plan.
• Vision, Dental, and Hearing Care: These are services typically not covered by Original Medicare, but Medicare Advantage plans often include routine check-ups and care for your eyes, teeth, and hearing.
• Wellness Programs: Some plans offer memberships to fitness programs like SilverSneakers and other wellness resources to encourage healthy lifestyles.
• Transportation Services: In some cases, Medicare Advantage plans may provide transportation to and from medical appointments.

How Does Medicare Part C Work?

Medicare Advantage plans are structured similarly to private health insurance plans. These can include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and other plan types. This means that the plan may have a network of doctors, hospitals, and other healthcare providers. You may need to stay within this network to receive coverage or pay higher out-of-pocket costs if you go outside of it.

Benefits of Medicare Part C

• Comprehensive Coverage: Medicare Advantage plans offer the convenience of bundling all your coverage into one plan, including prescription drug benefits and sometimes even dental and vision.
• Maximum Out-of-Pocket Limit: Unlike Original Medicare, Medicare Advantage plans have an annual limit on out-of-pocket costs. Once you reach this cap, the plan pays 100% of covered services for the remainder of the year.
• Additional Perks: Many Medicare Advantage plans offer extra benefits that are not typically part of Original Medicare, including wellness programs and routine dental, vision, and hearing care.

Choosing the Right Medicare Part C Plan

With many options available, it’s important to consider your healthcare needs, budget, and preferred providers when selecting a Medicare Advantage plan. Check the plan’s network to make sure your doctors and hospitals are included, and confirm whether the plan covers your prescriptions.

Before choosing a Medicare Advantage plan, it’s a good idea to compare plans side by side and review the details of each option. Medicare.gov provides resources to help you search for plans in your area.

Contact an independent Medicare Insurance Storefronts agent to learn more about Medicare Advantage Plans that may be right for you today!