Provider access
Review the plan’s service area, network and rules for specialists. Check your doctors and hospitals against the exact plan, not just the insurer’s name.
Compare your coverage path
Medicare Advantage.
Your doctors, prescriptions, travel and expected costs all matter when comparing Medicare coverage. Start with how the plan works, then look at its benefits.
The essentials
What this service means.
Medicare Advantage, also called Part C, is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for health and drug coverage. Plans include Part A and Part B; most include Part D.
Prescription coverage
Check every medication against the plan’s current formulary. Ask about pharmacies, restrictions and cost sharing.
Annual costs
Compare premiums, copayments, coinsurance and the out-of-pocket limit. Extra benefits should be considered alongside coverage for your medical needs.
What to consider.
- Plan benefits and availability depend on your location and can change each year.
- Enrollment and switching are subject to Medicare rules and applicable enrollment periods.
- Medigap cannot be used to pay Medicare Advantage costs. Understand the differences before changing coverage.
Let’s break it down.
Is Medicare Advantage an insurance company?＋
No. It is a type of Medicare coverage offered by private insurers. The carrier, plan name, service area and benefits should be clearly identified.
Can I use a Medigap policy with it?＋
Medigap does not pay Medicare Advantage copayments, deductibles or premiums. Review the implications of switching before ending any existing policy.
Where can I review all Medicare options?＋
Visit Medicare.gov or call 1-800-MEDICARE. State Health Insurance Assistance Programs can also provide independent Medicare counseling.
Further reading: Medicare.gov: Compare coverage options ↗
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