Medicare Part C
These are offered by private companies
Medicare Advantage-Part C-may include extra benefits, including prescription coverage. Part D, a Medicare prescription drug plan, is available as a stand-alone option.
Part C helps cover:
-Everything that Medicare
Parts A and B cover
-Some plans include
like dental, vision and
Types of Medicare Advantage plans
Health maintenance organizations (HMO)
In most cases, a primary care provider arranges your healthcare within the plan’s network.
Preferred provider organization (PPO)
Choose any provider that accepts Medicare, but you may pay less for in-network services.
Generally, there is more freedom to choose providers but a network arrangement may still apply.
Special Needs Plans (SNPs)
SNPs are tailored for those who have a chronic illness, such as diabetes or a heart condition, or for those who are eligible for Medicare and also receive Medicaid assistance from the state. Institutional SNPs are available for those n long-term care or skilled nursing facilities.
When choosing Medicare Advantage instead of staying with Original Medicare:
- You must have both Medicare Parts A and B coverage
- You usually have to pay an additional monthly plan premium
- You remain a Medicare member as long as you keep paying your Part B premium, if applicable
- Along with a Medicare Advantage plan, you may have an opportunity to purchase optional supplemental benefits, like dental and vision coverage, for an additional premium.
*Private fee-for-service plans are not Medicare Supplement insurance plans. Providers that do not contract with a PFFS plan are not required to see plan members except in emergencies.