Medicare Part C, also known as Medicare Advantage Plan, is a private insurance plan that provides your Medicare Part A and Part B coverage. It may also cover additional services such as dental, vision, hearing, or health/wellness benefits. Some plans also include Medicare Part D prescription coverage. In short, Medicare Part C bundles all Medicare plans into one insurance product.
What Does Medicare Part C Cover?
Medicare Part C combines Medicare Part A, B, and sometimes D. It covers your:
- Hospital charges
- Inpatient/outpatient tests
- Doctor visits for diagnosis
- Doctor visits for treatment
- Ambulance services
- Mental health services
- Various therapies
- Medical equipment
Some Medicare Part C plans have ‘extra’ coverage, including:
- Take-home prescriptions
- Routine dental visits
- Routine vision visits
- Routine hearing visits
Not all Medicare C plans cover ‘extra’ services; some only cover what Medicare Part A and B cover, as it varies by plan.
What is the Average Cost of Medicare Part C?
Each Medicare Part C plan has its own premium. Since Medicare pays a fixed amount to the insurance company for the plan (the amount they’d pay for your Medicare Part A and B), some people have no out-of-pocket premiums, while others do.
On average, premiums range from $0 – $300 per month. It depends on the plan’s coverage. If you would like more information about what a Medicare Part C plan may cost you, contact Senior Insurance Representatives at 1-800-327-7888.
Why do you Need Medicare Part C?
Medicare Part C is optional, but it may offer more benefits than Medicare Part A and Part B combined. If you need more than the standard federal government insurance, such as dental, vision, take-home prescriptions, or special medical equipment, a Part C plan may offer better coverage.
If you have needs outside of what Medicare covers, consider shopping around. Just know that not all plans offer ‘extra’ coverage. It’s important to understand each policy and what it offers. We are here to help you compare your Medicare health plan options and help you choose the one that’s right for you.
Get Free Medicare Help
- Compare Costs of Plans
- Estimate Your Savings
- Help You With Enrollment
What are the Pros and Cons of Medicare Part C?
As with any insurance plan, Medicare Part C has pros and cons.
Pros:
- Medicare Part A and Part B are combined into one policy
- Many plans include Medicare Part D (prescription coverage)
- Many plans include ‘extra’ services, such as dental or vision coverage
- You may have an out-of-pocket maximum unlike Medicare Part B
Cons:
- You may have to use doctors within a specific PPO or HMO network
- You may not have coverage when you travel within the U.S.
- You may have higher premiums
Choose the Right Medicare Part C Plan
We know choosing the right Medicare Part C plan is overwhelming. Let the experts at Senior Insurance Representatives help. Call us today at 1-800-327-7888 to learn more about your options.
