A Medicare Advantage Plan (Part C) is offered by private insurance companies that are approved by Medicare. It offers the same benefits as Original Medicare and additional benefits.

Medicare Advantage Plans offer different hospital and doctor coverage called in-network and out-of-network with different levels of coverage and premiums.

All Medicare Advantage plans must:

• Enroll individuals who have registered for both Medicare Part A (Hospital) and Medicare Part B (Medical Services)
• If you haven’t enrolled to both Part A and Part B, then we will help you enroll and/or let you know about the penalties for failing to do so. 
• All Medicare Advantage Plans provide cost-sharing plan equivalent to cost sharing under Original Medicare Parts A and B , however they might be different for specific services.  
• All Medicare Advantage Plans include an annual maximum out-of-pocket limit also known as MOOP on total enrollee cost sharing (deductibles, coinsurance, and copayments) for Part A and Part B services.

Medicare Advantage Plans might cover more benefits than Original Medicare, such as: 

• Lower Cost Sharing
• Vision Services
• Hearing Services
• Dental Services
• Routine foot care Services
• Chiropractic Services

Types of Medicare Advantage Plans (Must include Part A and Part B)

•     Health Maintenance Organizations (HMOs) (some also include Part D)
•     Preferred Provider Organizations (PPOs) (some also include Part D)
•     Private Fee-for-Service Plans (PFFS) (some also include Part D)
•     Special Needs Plans (SNPs) (always include Part D)
•     Medical Savings Account Plans (MSAs) (do not include Part D)
•     Cost and PACE   Plans (not Part C MA plans-different plan types, may include Part D)
•     Employer or Union Group Plans

Contact us to help you determine the plan that you need.