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What You Need to Know About Medicare Advantage Plans

By William Robson Dec 17, 2022

Medicare Advantage, also known as Medicare Part C, is a health plan offered by private insurers that contracts with the federal government. It provides an alternative way for Medicare beneficiaries to get their Original Medicare coverage. That said, it’s important for seniors and their families to understand what a Medicare Advantage plan is, how it works, and which one might be right for them. Let’s take a closer look.

If you’re over 65 or have a qualifying disability, you may be eligible for a Medicare Advantage Plan offered by private health insurance companies. These plans, also known as “Part C” plans, offer an alternative to traditional Original Medicare (Parts A and B). While these plans can provide cost savings and other benefits, it is important to understand the differences between them before making your decision. Let’s take a closer look at what exactly is involved with Medicare Advantage Plans.

What Does a Medicare Advantage Plan Include?

Medicare Advantage plans include all the same benefits that are covered under Original Medicare (Parts A and B). In addition to this, coverage may include other services such as vision care, hearing aids, dental care, wellness programs and more depending on the plan you choose. Some plans even offer prescription drug coverage (Part D) in one package. This means you can have your hospital insurance (Part A), medical insurance (Part B), prescription drug coverage (Part D) and more all from one provider under one single policy. 

How Does a Medicare Advantage Plan Work?

When you enroll in a Medicare Advantage plan, you are still enrolled in Original Medicare — your benefits are just provided through the private insurer instead of the federal government. As part of the contract between your insurer and the federal government, your chosen plan will cover everything included in Original Medicare plus additional services such as those mentioned above. You will pay an annual premium for these added services along with any deductibles or co-payments required by your plan.

How Do I Choose the Right Plan?

Choosing the right plan depends on your individual needs and preferences. It’s important to consider what kind of coverage you need – do you want additional services such as vision or dental care or do you simply need basic hospital and medical insurance? Once you know what kind of coverage you want or need, research different plans available in your area to compare premiums, deductibles and co-payments to find one that fits both your budget and needs. Finally, if needed speak with a healthcare professional or call 1-800-MEDICARE for further assistance on selecting your perfect plan option if needed.


When it comes time to choose a health insurance option there are many factors that must be taken into consideration such as budget needs and service requirements. The good news is that when it comes to choosing health insurance options in 2021 there is no shortage of options available including traditional Original Medicare as well as various types of Medicare Advantage plans providing different levels of coverage depending on individual needs. Knowing what is included with each type of policy can help make sure that you choose the best one for yourself or your family members who may qualify for these plans at age 65 or older.

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