Medicare Advantage Plans
Comprehensive Medical coverage
Medicare Advantage Plans, also known as “Part C,” provide at least the same coverage as Original Medicare, plus additional coverage for services like dental, vision, and hearing. Plans can also cover even more benefits. For example, some plans may offer coverage for services like transportation to doctor visits, over-the-counter drugs that Part D doesn’t cover, and services that promote your health and wellness. Check with the plan before you enroll to see what benefits it offers, if you might qualify, and if there are any limitations.
Many plans also offer prescription drug coverage, making them a convenient all-in-one option for those who take medications.
These plans help protect you in the event of unexpected medical care needs by limiting your maximum out-of-pocket amount you would pay annually. With Original Medicare, there is no maximum out-of-pocket limit. With a Medicare Advantage Plan, you’ll have access to a network of healthcare providers who have agreed to work with the plan.
Pros of Medicare Advantage:
- Premiums are generally low–if the plan even has a premium
- Most plans also include prescription drug coverage
- It’s convenient to have a single plan for your medical services, dental, vision and more
- The plan covers everything Original Medicare covers as well as emergency and urgent care
- Your eligibility isn’t affected by health or financial status
Cons of Medicare Advantage:
- You’re restricted to doctors that are in-network with the plan (except for in an emergency)
- Plan benefits can change from year to year
- Plan premiums can change from year to year
- Once enrolled in a Medicare Advantage plan, it can be difficult to later switch to a Medicare Supplement Plan
- You’re subject to deductibles and co-pays
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