Medicare Advantage plans, simplified.
All-in-one plans that bundle your Medicare Part A, Part B, and usually Part D drug coverage into a single plan — often with $0 premiums plus extras like dental, vision, hearing, and fitness benefits.
Compare Medicare Advantage Plans
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What is a Medicare Advantage plan?
Medicare Advantage (also called Medicare Part C) is an alternative way to receive your Original Medicare benefits. Instead of the government paying your medical claims directly, you enroll in a private insurance plan that is required to cover everything Original Medicare covers — and most plans add extra benefits Original Medicare does not.
Everything in one plan
Part A (hospital), Part B (medical), and usually Part D (prescription drugs) are bundled together. Many plans also include routine dental, vision, hearing exams, and gym memberships.
Predictable, capped costs
Every Medicare Advantage plan has an annual out-of-pocket maximum — a built-in safety net that Original Medicare does not offer. You pay copays for services as you use them, but your total yearly spending is capped.
What's included in a Medicare Advantage plan
Benefits vary by plan and carrier, but most Medicare Advantage plans include these extras at no additional premium.
Prescription Drug Coverage
Most plans include Part D coverage, so your medications are covered under the same card as your medical care.
Dental, Vision & Hearing
Routine cleanings, exams, eyewear, and hearing aids — benefits that Original Medicare typically does not cover.
Wellness & Preventive Care
Many plans include gym memberships, fitness programs, and preventive services at no extra cost.
Out-of-Pocket Maximum
A yearly cap on what you pay for covered services, giving you financial protection Original Medicare lacks.
Coordinated Care
Many plans coordinate your care through a primary doctor, helping manage referrals and keep your care organized.
Often $0 Premium
Many plans charge $0 monthly premium beyond your Part B premium, making them an affordable all-in-one option.
How Medicare Advantage works
You must be enrolled in both Medicare Part A and Part B to join a Medicare Advantage plan. You continue paying your Part B premium and receive all your Medicare-covered services through the plan.
You stay enrolled in Medicare
You keep your Original Medicare benefits — the Advantage plan simply delivers them through a private insurer.
You use the plan's network
You see doctors and hospitals in the plan's network. PPO plans let you go out of network for a higher cost.
You pay copays, not 20%
Instead of Original Medicare's 20% coinsurance, you pay set copays for services, capped by the plan's annual maximum.
Things to consider
Medicare Advantage is a great fit for many people, but it's important to understand the trade-offs.
Network restrictions
Most plans require you to use in-network providers. If you travel often or see specialists out of network, a PPO or Medigap plan may suit you better.
Referrals may be required
HMO plans often require a referral from your primary doctor before seeing a specialist. PPO plans typically do not.
Drug formularies change
Each plan has its own list of covered drugs. We review your medications every year to make sure your plan still covers them at the best price.
Annual plan changes
Plans can change benefits, networks, and costs each year. We review your plan during Annual Enrollment so you're never caught off guard.
Not sure if Advantage is right for you?
Medicare Advantage and Medicare Supplement take two different approaches to covering your costs. Compare them side by side to see which fits your doctors, prescriptions, and budget.
Find the right Medicare Advantage plan.
Speak with a licensed broker to compare plans from top carriers and find coverage that fits your doctors, prescriptions, and budget.