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Medicare Advantage, also known as Medicare Part C, is an alternative way to receive your Medicare benefits through a private insurance company approved by Medicare.
Depending on the plan available in your area, additional benefits may include:
Benefits, costs, provider networks and availability can vary by plan and location. Reviewing the full details before enrolling is important.
To enroll in a Medicare Advantage plan, you must generally be enrolled in Medicare Part A and Part B. You continue paying your Medicare Part B premium while receiving your Medicare-covered services through the private plan.
Each Medicare Advantage plan sets its own rules regarding costs, provider networks, referrals, service areas and covered benefits. Some plans may require you to use doctors and hospitals within a specific network, while others may provide more flexibility for receiving care outside the network.
Common Medicare Advantage plan types include:
HMO plans generally require members to use healthcare providers within the plan’s network, except in emergencies or other limited situations. You may also need to select a primary care physician and obtain referrals for certain specialists.
PPO plans generally allow members to use both in-network and out-of-network providers. However, receiving care outside the network may result in higher out-of-pocket costs.
Special Needs Plans are designed for individuals with specific health conditions, financial circumstances or living arrangements. These plans may offer specialized provider networks, coordinated care and benefits tailored to the needs of eligible members.
