Medicare Part C, also known as Medicare Advantage, is an alternative to Original Medicare that combines your Part A (Hospital Insurance) and Part B (Medical Insurance) into a single plan. Many Part C plans also include additional benefits like dental, vision, hearing, and wellness programs—services not covered under Original Medicare.
Unlike Original Medicare, Medicare Advantage plans are offered by private insurance companies approved by Medicare, and they often come with low or even $0 monthly premiums depending on where you live.
Learn how Medicare Part C works, what it covers, and how to find the best plan for you.
Doctor Visits & Hospital Stays
Just like Original Medicare.
Dental, Vision & Hearing Coverage
Routine cleanings, eye exams, hearing aids, and more.
Prescription Drug Coverage (Most Plans)
Many Part C plans include Medicare Part D.
Gym & Wellness Benefits
Access to fitness centers, yoga classes, and health programs.
Telehealth Services
Virtual doctor visits from the comfort of home.
Over-the-Counter (OTC) Benefits
Allowance for health-related items like vitamins and first-aid supplies.
Transportation Assistance
Help getting to doctor appointments.
You may be eligible for Medicare Advantage if you:
Many Medicare Advantage plans offer low or even $0 monthly premiums. However, costs vary by plan and location. Here’s what to consider:
Monthly Premiums
Some plans have $0 premiums, while others may charge a fee.
Copays & Deductibles
Depending on the plan, you may have copayments for doctor visits and prescriptions.
Out-of-Pocket Maximum
Unlike Original Medicare, Medicare Advantage plans have an annual limit on out-of-pocket costs.
Initial Enrollment Period (IEP)
You can enroll when you first become eligible for Medicare (3 months before your 65th birthday through 3 months after).
Annual Enrollment Period (AEP)
Each year from October 15 – December 7, you can join, switch, or drop a plan.
Medicare Advantage Open Enrollment (MA-OEP)
From January 1 – March 31, if you’re already in a Medicare Advantage plan, you can switch to a different one.
Special Enrollment Period (SEP)
Certain life events, like moving or losing other coverage, allow you to enroll outside standard periods.
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