Medicare Advantage Plans

You can get your Medicare coverage through Original Medicare or by joining a Medicare Advantage plan. This fact sheet reviews Medicare Advantage plans. 

What are Medicare Advantage plans? 

Medicare Advantage plans are approved by Medicare but are run by private companies. These companies provide Medicare Part A and Part B covered services and may include Medicare drug coverage too. Medicare Advantage plans are sometimes called “Part C” or “MA” plans. MA plans are not supplemental insurance. 

MA plans may not be free. It is important to understand the cost sharing of each plan’s premiums, deductibles and copayments. MA plans may require you to use only doctors and hospitals in their network. 

How do Medicare Advantage plans work? 

• Medicare-covered services are provided through the plan. 

• Medicare Advantage plans may include prescription drug coverage. 

• Members may be required to use only those doctors and hospitals participating in the plan. 

• Members may pay an additional monthly premium and copayments and coinsurance for services. 

• Like any insurance plan, show your Medicare Advantage plan card to all of your health care providers. 

Eligibility requirements to join a Medicare Advantage plan 

• Must live in the plan’s service area 

• Must be enrolled in both Medicare Part A and Part B