Medicare Advantage (Part C) Plans
Medicare Advantage (also called Medicare Part C) plans are all-in-one plans that combine the coverage of Original Medicare (Part A and Part B) with extra benefits you can't get from Medicare alone. Most also include Part D prescription drug coverage and may also offer additional benefits such as dental, vision, hearing and fitness. These are often provided with no additional premium charge. Medicare Advantage plans operate within defined geographic areas called service areas. You must live in a plan's service area to become a plan member, and a plan's coverage and costs can vary by plan and location. What do Medicare Advantage (Part C) plans cover?
All Medicare Advantage Plans Cover:
Most Medicare Advantage Plans Cover:
Additional Benefits Medicare Advantage Plans May Offer:
Important things to note about Medicare Advantage plans
|
Premium | Deductible | Copayment | Coinsurance | |
---|---|---|---|---|
Frequency | Per month |
Per year |
Upon most medical services, such as doctor visits |
For select items, such as durable medical equipment |
Details | Plan premiums vary. You still pay the Part B premium to Medicare (and the Part A premium, if you have one). |
Some plans charge an annual deductible, and some do not. Medicare Part A and Part B deductibles do not apply. |
Many plans charge copays for the services and benefits you use. |
Plans set their own coinsurance terms and percentages. |
How Medicare Advantage cost sharing works
Most Medicare Advantage plans use a combination of deductibles, co-insurance and co-pays to share the cost of the services you use. Cost-sharing usually applies to all the services the plan covers.
You need to read the details of each individual Medicare Advantage plan to get the full story on its costs. Most plans have network doctors and pharmacies that may offer plan members discounted pricing.
See how Medicare costs may work with these Medicare coverage examples
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