Medicare Advantage Plans (Part C)
Comprehensive coverage designed around your life
Medicare Advantage plans, also known as Medicare Part C, offer an alternative way to receive your Medicare benefits through private insurers. These plans can include prescription drug coverage and extra benefits like dental, vision, and hearing care—all in one convenient package.
Understanding Medicare Advantage
A simpler way to manage your Medicare coverage
Medicare Advantage plans combine the benefits of Original Medicare (Parts A and B) into one plan offered by private insurance companies approved by Medicare. Most plans also include Part D prescription coverage and may offer added perks such as fitness memberships, transportation assistance, or over-the-counter allowances. Instead of paying separate premiums for multiple plans, many people enjoy the convenience of having everything in one place. Our team helps you explore your options, compare benefits, and choose a plan that fits your doctors, medications, and budget.
Key Features of Medicare Advantage Plans
What you should know before enrolling
Medicare Advantage plans can offer great value, but they work differently than Original Medicare. Here are a few important details to keep in mind:
Coverage in One Plan
Medicare Advantage replaces Original Medicare coverage, combining hospital, medical, and often drug benefits under one insurer. This structure can simplify your coverage and billing.
Extra Benefits Included
Many plans include added services that Original Medicare doesn’t cover, such as vision exams, dental cleanings, hearing aids, and fitness programs like SilverSneakers.
Low or $0 Premiums
Some Medicare Advantage plans come with no additional premium beyond your regular Part B payment, though costs can vary depending on your area and plan type.
Annual Out-of-Pocket Maximum
Unlike Original Medicare, Part C plans set a yearly limit on what you’ll spend out of pocket for covered services, providing valuable financial protection.
Benefits and Drawbacks of Medicare Advantage
Weighing your options with confidence
Medicare Advantage offers flexibility and convenience, but it’s important to understand both sides before enrolling. Many people appreciate the all-in-one coverage, built-in drug benefits, and affordable premiums that come with Medicare health plans. However, these plans often use provider networks—such as HMOs or PPOs—so your choice of doctors and hospitals may be more limited. You’ll also pay set copays for services, which can add up depending on how often you need care. The right choice depends on your personal situation, which is why our advisors take time to review your doctors, medications, and expected healthcare use before making a recommendation.
Choosing the Right Medicare Advantage Plan
What to look for when comparing options
With dozens of Medicare Advantage plans available in North Carolina, choosing the right one can feel overwhelming. The best plan for you depends on your preferred doctors, prescription needs, travel habits, and budget. Start by checking whether your doctors and hospitals are in the plan’s network — this can make a big difference in convenience and cost. Review each plan’s prescription formulary to ensure your medications are covered affordably. Pay attention to copays, deductibles, and the plan’s out-of-pocket maximum, which sets a yearly limit on how much you’ll spend for covered care.
Our team reviews each of these details with you side by side so you can clearly see how one plan compares to another. We’ll also explain the difference between HMO and PPO options and what those terms mean for your access to care. Whether you prefer a plan with extra benefits or one that prioritizes flexibility, we’ll help you find the right balance of coverage, cost, and convenience — without the guesswork.
Medicare Advantage Plans FAQ
Answers to common questions about Medicare Part C
Do Medicare Advantage plans replace Medicare?
You’ll still have Medicare, but your benefits are provided through a private insurer instead of directly by the government. You’ll use the plan’s ID card instead of your red, white, and blue Medicare card when you visit doctors or hospitals. You must stay enrolled in Parts A and B to be eligible.
Can I change my Medicare Advantage plan if I don’t like it?
Yes. Each year during the Annual Enrollment Period (October 15–December 7), you can switch to a different plan or go back to Original Medicare. There’s also a Medicare Advantage Open Enrollment period (January 1–March 31) if you’re already enrolled in a plan and wish to make changes. Our team helps clients review and adjust their plans each year as needed.
Are Medicare Advantage plans cheaper than Medicare with a supplement?
They can be—especially if you’re healthy and don’t visit doctors frequently. Medicare Advantage plans often have lower or even $0 premiums but may include copays and coinsurance when you use services. Medicare Supplement plans have higher monthly premiums but cover more costs when you receive care. The best choice depends on your healthcare usage and budget.
What doctors can I see on a Medicare Advantage plan?
That depends on the plan type. HMO plans usually require you to use in-network providers, while PPO plans allow out-of-network visits at a higher cost. We always check your preferred doctors and hospitals before recommending a plan so you can keep the providers you trust.
Do Medicare Advantage plans include drug and dental coverage?
Most Medicare Advantage plans include prescription drug coverage (Part D) and extra benefits like dental, vision, and hearing. The level of coverage varies between plans, so it’s important to compare the details carefully. We’ll help you review these benefits to ensure you’re getting the best value for your needs.
