Medicare Advantage (Part C)
Medicare Advantage combines Parts A and B, and usually Part D, into a single plan offered by private insurance companies.
All-in-One Medicare Coverage
Medicare Advantage (Part C) is an alternative way to get Medicare coverage. These plans are offered by private companies approved by Medicare and provide all the benefits of Original Medicare plus additional coverage.
Most Medicare Advantage plans include prescription drug coverage (Part D), and many offer extra benefits like dental, vision, hearing aids, and wellness programs—all in one convenient plan.
Why Choose Medicare Advantage?
Medicare Advantage plans often cost less than Original Medicare plus supplements, while providing additional benefits and an annual out-of-pocket maximum for peace of mind.
Medicare Advantage Benefits
Medicare Advantage plans offer comprehensive coverage that goes beyond Original Medicare.
Prescription Drug Coverage
Most plans include Part D prescription drug coverage, so you don't need a separate plan.
Dental Coverage
Many plans include routine dental care, cleanings, and sometimes major dental work.
Vision Benefits
Eye exams, glasses, and contact lens coverage often included in Medicare Advantage plans.
Hearing Benefits
Hearing exams and hearing aid coverage available in many Medicare Advantage plans.
Fitness Programs
Gym memberships, fitness classes, and wellness programs to help you stay healthy.
Out-of-Pocket Maximum
Annual limit on what you pay out-of-pocket, providing financial protection.
Transportation
Rides to medical appointments and pharmacy trips often included at no extra cost.
Wellness Extras
Health education, preventive care coordination, and chronic condition management.
Types of Medicare Advantage Plans
There are different types of Advantage plans such as HMOs and PPOs. Our advisors will walk you through your options to ensure you choose a plan that fits your doctors, prescriptions, and lifestyle.
HMO Plans
Health Maintenance Organization (HMO) plans typically offer lower costs but require you to use doctors and hospitals in the plan's network.
Features:
Lower monthly premiums
Primary care physician required
Referrals needed for specialists
Network-based care only
Best for: People who want lower costs and don't mind coordinating care through a primary doctor.
PPO Plans
Preferred Provider Organization (PPO) plans offer more flexibility to see any doctor, but you'll pay less when using in-network providers.
Features:
See any Medicare provider
No referrals required
Lower costs with in-network care
Out-of-network coverage available
Best for: People who value flexibility and want to keep seeing their current doctors.
Is Medicare Advantage Right for You?
Consider these factors when deciding between Medicare Advantage and Original Medicare with supplements.
Medicare Advantage May Be Good If You:
Want lower monthly premiums
Value extra benefits like dental and vision
Prefer an annual out-of-pocket maximum
Are comfortable with network restrictions
Want all coverage in one plan
Don't mind coordinating care through primary doctor (HMO)
Consider Carefully If You:
Have multiple chronic conditions
See many specialists regularly
Take expensive medications
Travel frequently and need nationwide coverage
Have established relationships with out-of-network doctors
Prefer maximum flexibility in healthcare choices
Ready to Simplify Your Medicare?
Don't navigate Medicare alone. Our expert advisors are here to help you find the perfect coverage for your needs.
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