MEDICARE
Medicare Advantage
Medicare Advantage, also called Part C, is an alternative way to receive Medicare benefits through a private Medicare-approved plan.
How Medicare Advantage Works
Medicare Advantage plans provide Part A and Part B benefits and usually include Part D prescription drug coverage. Plans may offer additional benefits, but provider networks, referrals, prior authorization rules, premiums and cost sharing vary by plan.
What to Consider Before You Choose
- Confirm your doctors and preferred hospitals are in the plan network.
- Review prescription drugs and preferred pharmacies, not just medical benefits.
- Compare the plan’s maximum out-of-pocket limit and service-by-service copays.
- Consider travel and time spent outside the plan’s service area.
- Special Needs Plans may be available for people who meet specific eligibility requirements.
Who Often Considers Medicare Advantage
Medicare Advantage may fit people who prefer an all-in-one plan structure and are comfortable evaluating networks, plan rules and annual benefit changes.