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Medicare Part C-Compare Medicare Plans

What is Part C coverage?

Medicare Advantage plan is sometimes referred to as Medicare Part C. Its is Medicare-approved private health plan for people who are eligible for Medicare. When a person joins a Medicare Advantage, they are still enrolled in the Medicare program.

Medicare Advantage plan will provide beneficiaries with all of their Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage and it must cover medically necessary services. The plans will generally offer other additional benefits that may include Medicare Part D (Prescription Drug Coverage). These plans often will have networks, which means beneficiaries may see certain doctors and go to certain hospitals in their plans network.

Medicare Advantage can save you money, because out-of-pocket costs in these plan can be lower than the plans under the Original Medicare. However, the costs of these plans will vary by the services you will use and the type of plan the beneficiary will purchase. Each plan under Medicare Part C will have different rules for how the services you will receive and will charge different out-of-pocket costs.

Medicare Part C plan options:

  • Medical Savings Account (MSA)
  • HMO Point-Of-Services (HMOPOS)
  • Special Needs Plans (SNPs)
  • Private Fee-For-Service (PFFS)
  • Health Maintenance Organization (HMO)
  • Preferred Provider Organization (PPO)


The monthly premium will vary and will depend on the private insurer you choose and the state you live in. It will also depend on whether you choose an PPO or HMO for you Medicare Advantage coverage. Those with Part C coverage will typically incur a small copayment when they visit a doctor or other health care provider, while those with the Original Medicare will pay 20% or more of the cost for services. When using a Part C or Part D plan, you will continue to pay monthly premium to Medicare in addition to your Part C and Part D plan provider.


If a person is enrolled in a Medicare Advantage plan, any Medigap policy they may have is useless because Medigap will not pay, if some is covered by Medicare Part C.

Enrollment Requirements

To join Medicare Advantage (Part C), which is optional, you must already be enrolled in both Part A and Part B. Enrollment in Part D (Prescription Drug Coverage) which is also optional, you must be already enrolled in Part A and Part B. Since several Part C plans will include Prescription drug coverage, and if you opt for this plan you might not need Part D plan.


Medicare Part C-Compare Medicare Plans

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