Medicare Advantage Plans
All-in-one coverage that goes beyond Original Medicare. Discover plans with extra benefits, low premiums, and out-of-pocket protection.
What is Medicare Advantage?
Medicare Advantage (also known as Medicare Part C) is an alternative way to receive your Medicare benefits. These plans are offered by private insurance companies approved by Medicare and must cover everything Original Medicare covers — plus most plans offer additional benefits.
To enroll in a Medicare Advantage plan, you must have Medicare Part A and Part B and live in the plan's service area. You'll continue to pay your Part B premium, and the plan may charge an additional monthly premium (many have $0 additional premiums).
Plans typically use provider networks (HMO, PPO, or PFFS), so it's important to verify that your preferred doctors and hospitals are in-network. Our agents will help you check provider availability before you enroll.
Key Benefits of Medicare Advantage
Hospital & Medical Coverage
Combines Medicare Part A (hospital) and Part B (medical) into one convenient plan with one card.
Prescription Drug Coverage
Most Medicare Advantage plans include Part D prescription drug coverage, saving you from needing a separate plan.
Extra Benefits
Many plans offer dental, vision, hearing, fitness programs, over-the-counter allowances, and even meal delivery after hospital stays.
Low or $0 Premiums
Many Medicare Advantage plans are available with $0 monthly premiums beyond your Part B premium.
Out-of-Pocket Maximum
Unlike Original Medicare, Advantage plans cap your yearly out-of-pocket costs, giving you financial protection.
Telehealth Services
Access doctors and specialists from the comfort of home with telehealth options included in many plans.
When Can You Enroll?
Initial Enrollment Period (IEP): When you first become eligible for Medicare (typically around your 65th birthday), you have a 7-month window to enroll.
Annual Enrollment Period (AEP): October 15 – December 7 each year. During this time, you can switch plans, join a new plan, or drop your current coverage.
Open Enrollment Period (OEP): January 1 – March 31. If you're already in a Medicare Advantage plan, you can switch to a different plan or return to Original Medicare.
Special Enrollment Period (SEP): You may qualify for a SEP if you experience certain life events such as moving, losing coverage, or qualifying for Medicaid.
Explore Medicare Advantage Plan Types
PPO Plans
Flexible plans that let you see any doctor, with lower costs in-network.
Learn more →HMO Plans
Coordinated care through a network of providers with low out-of-pocket costs.
Learn more →PFFS Plans
Private Fee-for-Service plans that set their own rates for providers.
Learn more →Medical Savings Account
High-deductible plans paired with a tax-free savings account for medical expenses.
Learn more →Plans for Veterans
How Medicare Advantage works alongside VA benefits for veterans.
Learn more →Special Needs Plans
Plans designed for people with specific conditions, dual eligibility, or institutional needs.
Learn more →Frequently Asked Questions
What is Medicare Advantage?
Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurance companies approved by Medicare. These plans bundle Part A (hospital), Part B (medical), and usually Part D (prescription drug) coverage into one plan. Many also include extra benefits like dental, vision, hearing, and fitness programs that Original Medicare does not cover.
How much do Medicare Advantage plans cost?
Many Medicare Advantage plans have $0 monthly premiums beyond your standard Part B premium. However, you will have copays, coinsurance, and deductibles when you use services. Every plan has a maximum out-of-pocket limit (MOOP) that caps your annual spending, which Original Medicare does not offer.
Can I see any doctor with Medicare Advantage?
It depends on the plan type. HMO plans require you to use in-network providers and get referrals to see specialists. PPO plans let you see out-of-network providers at a higher cost without referrals. PFFS plans let you see any Medicare-accepting provider who agrees to the plan's terms. Always verify your doctors are in-network before enrolling.
When can I enroll in a Medicare Advantage plan?
You can enroll during your Initial Enrollment Period (3 months before to 3 months after your 65th birthday), the Annual Enrollment Period (October 15 – December 7 each year), or the Medicare Advantage Open Enrollment Period (January 1 – March 31). Special Enrollment Periods are also available if you qualify due to certain life events like moving or losing employer coverage.
What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage replaces Original Medicare with a private plan that often includes extra benefits and has network restrictions. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs like deductibles and coinsurance, letting you see any Medicare-accepting provider nationwide. You cannot have both a Medicare Advantage plan and a Medigap policy at the same time.
Find the Right Medicare Advantage Plan
Our licensed agents will compare plans in your area, check your doctors, and find the coverage that fits your needs — at no cost to you.