Medicare 101
Medicare Advantage
A clear introduction to Medicare Advantage plans, how they work, and what to compare before you enroll.
Part C
What Is Medicare Advantage?
Medicare Advantage, also called Part C, is a way to receive your Medicare-covered benefits through a private insurance company approved by Medicare. You still have Medicare, but the plan manages your coverage and follows its own rules, costs, and, for many plans, provider networks.
Important: If you enroll in a Medicare Advantage plan, you must continue paying your Medicare Part B premium. Some plans may also have a separate monthly plan premium. Learn more from Medicare.gov.
Includes Parts A and B
Often includes Part D
Many plans use provider networks
Has annual cost limits
Before You Choose
Compare the Details
The right plan depends on your doctors, prescriptions, preferred pharmacies, travel needs, and budget. Use these questions to guide your review.
Provider Network
Many plans use provider networks. Check whether your doctors, specialists, hospitals, and preferred pharmacy participate in the plan’s network.
Prescription Drugs
Review the plan formulary, drug tiers, prior authorization rules, and pharmacy options for your medications.
Costs
Look at premiums, deductibles, copays, coinsurance, and the plan’s maximum out-of-pocket amount.
Plan Rules
Understand referrals, prior authorization, service area limits, and coverage when you travel.
Common Questions
Medicare Advantage FAQs
These answers can help you understand the basics. Plan documents and official Medicare information provide the details for your situation.