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Medicare Part C plans, or “Medicare Advantage” plans are offered by private insurance companies and they provide all the benefits of Medicare Part A & B. Pricing and additional benefits vary greatly by plan. A Wooten Agency representative can walk you through your options and help you select the plan that is right for you.
What is Medicare Part C?
- Part C or Medicare Advantage (MA) is health care coverage such as an HMO or PPO offered by private insurance companies.
- It replaces Original Medicare (Parts A and B).
- MA is available to those who are enrolled in Part A and B of Medicare, live in the MA plan’s service area, and do not have End-Stage Renal Disease.
What is covered under Medicare Part C?
- Most MA plans include Part D prescription drug coverage.
- If you enroll in a MA plan you are responsible for co-pays and/or coinsurance for most services.
What is not covered under Medicare Part C?
- Members must generally stay within a network of doctors and hospitals. All providers may not be available to members.
How much does Medicare Part C cost?
- MA plans have a yearly out-of-pocket maximum, excluding drug coverage.
- Some MA plans have a $0 monthly premium. Regardless of the MA plan’s premium, you are still responsible for paying your Medicare Part B premium.
How do I join a Medicare Part C plan?
- Generally, you may only join or terminate a MA plan at certain times during the year. (Initial Enrollment Period, Annual Enrollment Period, Special Enrollment Period)
- You cannot have both a MA plan and a Medicare Supplement plan. You cannot have both a MA plan and a stand-alone Part D prescription drug plan.