Medicare Part C

What does Medicare Part C Cover? Medicare Part C (also known as Medicare Advantage) is a type of health plan offered by a private company that replaces your Original Medicare to provide you with your Part A and Part B benefits. Most include Part D coverage as well.

Medicare Part C Coverage Details


Medicare Part C Plans - Administered by Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. Most plans will still have deductibles, co-pays, and coinsurance; similar to Original Medicare.


Joining - Part C doesn't work the same way as Original Medicare, so before you join, take the time to do your research. Although they come with the convenience of paying one carrier, they may be more expensive for out-of-pocket costs in the long run. Coverage is dictated by the carrier, not Medicare.


Rules - Carriers providing this coverage must follow rules set by Medicare, and Medicare pays these providers each month for your coverage. Each plan can charge different out-of-pocket costs and can dictate how you get services, such as needing a referral or determining what suppliers belong to the plan for non-urgent care. These rules can change each year.


Drug Coverage - Most Medicare Advantage plans include drug coverage. You can join a separate drug plan if the Advantage plan cannot provide coverage, or chooses not to provide drug coverage. If you join a different drug plan, when your HMO or PPO Advantage plan covers drugs, you will be automatically put back on Original Medicare.

Find out more details about Medicare Part C

How much does Medicare Part C cost?

Pricing Varies depending on your market, age, coverage and carrier. It’s important to discuss this option with your Agent carefully if you're considering it. To find out how to join, switch, or make changes:

Medicare Supplement plan Buying Checklist

Keep it easy with our checklist for making a Medicare Supplement Purchase.