(PART C) PLANS
Medicare Part C, or Medicare Advantage, insurance often includes every type of Medicare coverage in one health plan. These plans are offered by private insurance companies contracted through CMS (Medicare) to provide a Medicare benefits package as an alternative to Original Medicare. Medicare Advantage is optional, but to obtain this private insurance, you must also have Parts A and B of Original Medicare. You must also continue to pay your Part B premium if you have a Medicare Advantage plan.
Medicare Advantage plans are required to provide all Medicare Part A and Medicare Part B benefits (hospice benefits continue to be provided under Original Medicare), but these benefits are provided in a different form, usually with copays and coinsurance. The value of the Part A and B benefits offered in a Medicare Advantage plan on an overall basis must be actuarially equivalent to Part A and B benefits provided through Original Medicare.
Many Medicare Advantage plans include prescription drug coverage.
Plan provisions differ between carriers and between plans offered by the same carrier.
Medicare Advantage plans may even cover certain health care services that Part A and B of Original Medicare do not cover, like eye exams, hearing aids, dental care, or health care received while traveling outside the United States.
LEARN MORE about Medicare Advantage (also called “Part C”) plans.
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