Medicare Part C

Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you’re in a Medicare Advantage Plan.

In all types of Medicare Advantage Plans, you’re always covered for emergency and urgently needed care.

The plan can choose not to cover the costs of services that aren’t medically necessary under Medicare. If you’re not sure whether a service is covered, check with your provider before you get the service.

Medicare Advantage Plans may offer extra coverage, like vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D).

In addition to your Part B premium, you may or may not have to pay a monthly premium for your Medicare Advantage plan. However, Medicare Advantage plans and premiums can change on a yearly basis.

If you need a service that the plan says isn’t medically necessary, you may have to pay all the costs of the service, but you have the right to appeal the decision. Medicare Advantage Plan premiums can be lower than traditional Medicare Supplements, but premiums, copays, deductibles and benefits can change each year.

Call to see if a Medicare Advantage Plan is right for you.