Medicare Advantage

Medicare Advantage Explained

Medicare Advantage (Part C) is an alternative way to receive your Medicare benefits. Instead of receiving coverage directly from the federal government through Original Medicare, you receive your benefits through an insurance carrier approved by Medicare. These plans are required by law to cover everything Original Medicare covers — and many may include additional benefits not available under Original Medicare. Plan options, costs, and coverage vary by carrier and location.

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What to Expect

When you enroll in a Medicare Advantage plan, the insurance carrier manages your Medicare benefits. You still have Medicare — your card doesn't go away — but your coverage is delivered through the carrier's plan rather than directly through the government. Most plans use a network of doctors and hospitals. Staying in-network typically results in lower out-of-pocket costs. Some plans offer out-of-network coverage at a different cost-sharing level.

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Who It May Be Right For

Medicare Advantage may be a good fit for those looking for an all-in-one plan, those who are comfortable working within a provider network, or those interested in potential benefits beyond what Original Medicare offers.

Enrollment Periods

You can enroll during your Initial Enrollment Period around your 65th birthday, the Annual Enrollment Period from October 15 through December 7, or during a Special Enrollment Period if you qualify due to a life event.

Plan Costs Vary

Premiums, deductibles, copayments, and out-of-pocket maximums vary by plan and carrier. I compare all available options in your area to help you find the most suitable plan for your needs.

Network Considerations

Confirm your doctors and preferred hospitals are in-network before enrolling. HMO plans typically require referrals; PPO plans generally do not. Networks vary by carrier and county.

Medicare Advantage plans are offered by insurance carriers that contract with Medicare. Plan availability, costs, and coverage vary by location. Not all plans are available in all areas.