Medicare Part C
What Is Medicare Part C?
Medicare Part C is better known as Medicare Advantage. It is another way to receive your Medicare benefits through a private insurance company approved by Medicare.
Medicare Advantage plans provide your Part A and Part B benefits. Most plans also include Part D prescription drug coverage, and some plans offer additional benefits that Original Medicare does not normally provide.
Depending on the plan, additional benefits may include services such as routine dental, vision, hearing, fitness, transportation, or other benefits. Availability and coverage details vary by plan and location.
To join a Medicare Advantage plan, you generally must be enrolled in both Medicare Part A and Part B and live in the plan's service area.
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Medicare Advantage Plans Can Work Differently
Medicare Advantage plans are not all the same. Premiums, copayments, deductibles, provider networks, prescription drug formularies, and additional benefits can vary from one plan to another.
Many plans use provider networks, which can affect which doctors and hospitals you use and what you pay. Plans may also require prior authorization before certain services or supplies are covered.
Unlike Original Medicare, Medicare Advantage plans have an annual out-of-pocket limit for covered Part A and Part B services. The amount of that limit varies by plan.
When comparing plans, it is important to look beyond the monthly premium. Your doctors, prescriptions, expected health care use, travel habits, and preferred hospitals can all affect whether a particular plan fits your situation.
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