Medicare is a federal health insurance program in the United States primarily for people aged 65 and older, though some younger people with disabilities or End-Stage Renal Disease (ESRD) may also be eligible. It helps pay for healthcare services, with different parts covering things like hospital care (Part A), medical services (Part B), prescription drugs (Part D), and bundled plans offered by private companies (Part C/Medicare Advantage). You have choices for how you get your coverage and share costs through premiums, deductibles, and coinsurance. 

Medicare Advantage Plans

Medicare Advantage (Part C) plans are offered by private insurance companies that contract with Medicare to provide your Part A (hospital coverage) and Part B (medical coverage) benefits. Many Medicare Advantage plans also include additional benefits such as prescription drug coverage, dental, vision, hearing, transportation, and wellness programs that are not typically offered under Original Medicare. These plans are required to cover everything that Original Medicare covers and may provide extra benefits depending on the plan you choose.

Medicare Advantage plans are available to individuals who are entitled to Medicare Part A and enrolled in Part B, and who live in the plan’s service area. Plan costs, provider networks, and benefits can vary by carrier and location. It is important to review and compare all options to determine which plan best fits your healthcare and budget needs. Enrollment in a Medicare Advantage plan may be limited to certain times of the year.