Medicare Advantage, also called Part C, is offered by Medicare-approved private companies. A useful comparison begins with how you actually use health care.
How it fits with Medicare
You need Part A and Part B to join a Medicare Advantage plan. Plans provide your Part A and Part B benefits, and most include Part D prescription drug coverage. You generally continue paying your Part B premium.
Questions to bring to a review
- Are my current doctors and hospitals in this specific plan's network?
- What happens if I need a specialist or care away from home?
- Are my prescriptions covered, and what would I pay at my pharmacy?
- Which services need prior authorization?
- What are the plan's out-of-pocket limits for covered medical services?
Compare the other path, too
A plan’s additional benefits should not replace a careful review of access, costs and coverage rules. Consider the differences between Medicare Advantage and Original Medicare with a Supplement before making a choice.