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Medicare Advantage

Medicare Advantage Plans

Medicare Advantage (Part C) is an alternative way to receive your Medicare benefits through a private insurance carrier — often with added benefits like dental, vision, and hearing coverage.

What Is Medicare Advantage?

Medicare Advantage plans are offered by private insurance companies approved by Medicare. They must cover everything Original Medicare covers, but often include additional benefits and may have lower monthly premiums — sometimes $0.

However, MA plans typically have network restrictions (HMO or PPO), meaning you may need to use in-network providers and get referrals for specialists. It's important to compare these trade-offs against a Medigap plan.

  • Often $0 or low monthly premiums
  • May include dental, vision, and hearing
  • Prescription drug coverage usually included
  • Extra benefits like gym memberships
  • Network restrictions apply (HMO/PPO)

Medicare Advantage vs. Medigap

Monthly PremiumOften $0–$50$80–$300+
Doctor ChoiceNetwork onlyAny Medicare doctor
ReferralsOften requiredNot required
Out-of-Pocket MaxUp to $8,850/yearVery low or $0
Drug CoverageUsually includedSeparate Part D needed
Extra BenefitsDental, vision, gymNot included

Compare Medicare Advantage Plans in Your Area

Plan availability and benefits vary by ZIP code. Our advisors will compare every option available to you at no cost.