Also called Medicare Advantage, Part C plans are offered through private insurance companies approved by Medicare. These plans combine the hospital and medical coverage of Part A and Part B, and typically include drug coverage (Part D).

Plans can also choose to cover even more benefits. They may include additional benefits not covered by Original Medicare.

In general, Medicare Advantage plans require beneficiaries to use doctors, hospitals, and pharmacies in their network and may not pay for services outside that network. Plans generally don’t cover medicare care outside the United States, but some plans may offer a supplemental benefit that covers emergency services while traveling outside of the U.S. 

Before you can sign up for a Medicare Advantage plan, you must be enrolled in Medicare Part A and Part B. Beneficiaries pay a monthly Part B premium in addition to your Medicare Advantage plan’s monthly premium, coinsurance, and deductibles.

Monthly premiums vary by plan. Depending on the Medicare Advantage plan, your out-of-pocket costs may be lower than Original Medicare.

Our licensed Medicare experts offer free, personalized guidance to help you compare and enroll in the plans that best fit your healthcare needs and budget.