Medicare Advantage Plans

Part C

Part C, also known as Medicare Advantage Plans, includes all benefits and services covered under Part A and Part B.  It is run by Medicare-approved private insurance companies, and is an alternative to original Medicare. To receive Part C benefits, you must be enrolled in Part A and B. Medicare advantage plans usually include Medicare prescription drug coverage (Part D) as part of the plan.

Types of Medicare Advantage Plans


Health Maintenance Organization-in most HMO's you must use their network provider's and facilities.  You may also need a referral from your PCP (primary care physician) for tests or to see a specialist

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Your Medicare Premium might be $0! When you enroll in a Medicare Part C Advantage plan, Medicare pays a fixed monthly amount to the plan insurance carrier to provide your care. The insurance carriers will offer you a monthly premium as low as possible to attract you to their plan. Some carriers will even offer their plan at a $0 premium to you, but this can change from year to year as each carrier must renew its contract with Medicare annually.

You will also still pay your monthly premium for Part B when you are enrolled in Medicare Advantage plans. You must be actively enrolled in both Part A and Part B to qualify for enrollment into a Advantage plan.  For ways to help pay your part B Premium look under the Extra Help/Medicare Savings Plan tab on the menu above.


Prescription drug coverage: Optional drug coverage for those with Part A & Part B.  Those who’ve enrolled in an Advantage Plan should  choose a plan with built-in prescription drug coverage; they cannot apply for Part D coverage separately.