Medicare Part C

Medicare Part C refers to Medicare Advantage Plans, which are a way to get Medicare benefits instead of signing up for Original Medicare.
Medicare Advantage Plans are offered by Medicare-approved private insurance companies. All Medicare Advantage Plans offer at least the same benefits as Original Medicare, and in some cases also include additional services like prescription drug coverage, vision, and dental—but the coverage is generally limited to in-network doctors and hospitals.

Most people are eligible to sign up for a Medicare Advantage Plan during a seven month window surrounding your 65th birthday—the three months before you turn 65, the month you turn 65, and the three months after your 65th birthday. After that, if you want to change plans in any way, you need to wait until the Medicare Open Enrollment period which is from October 15 to December 7. placeholder_image

Medicare Advantage Plans Cover:
  • All of the services of Original Medicare Part A (hospitalization) except hospice care.
  • All of the services of Original Medicare Part B (medical services).
  • Emergency and urgent care.
Some Medicare Advantage Plans Cover:
  • Vision care
  • Hearing care
  • Dental care
  • Other health and wellness programs
  • Prescription drugs
  • Medicare Advantage plans only cover in-network care.
Medicare Part C Costs:
The cost of a Medicare Advantage Plan depends on the insurance company offering the plan, the state where you live, and your age and gender. It’s important to note that in addition to paying your monthly Medicare Advantage premium, you must still pay your Medicare Part B premium. Unlike Original Medicare, all Medicare Advantage plans have an out-of-pocket limit of $6,700 when you visit in-network doctors. Once you reach that limit, the plan covers your medical costs for in-network services. For out-of-network services, you are responsible for the full amount.

How to Sign Up:
Since there are many different Medicare Advantage plans offered by different private insurance companies, the best thing to do is shop around and compare benefits and prices. Once you choose a plan, you can sign up through the insurance company you choose.

Continue to Medicare Part D

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