What is Medicare Part C? 

Medicare Part C, commonly known as Medicare Advantage, is a type of health insurance plan provided by private companies approved by Medicare. It combines the coverage of Medicare Part A (hospital insurance) and Medicare Part B (medical insurance), and often includes additional benefits like prescription drug coverage (Part D), vision, dental, and hearing services. As an alternative to traditional Medicare, Medicare Part C offers beneficiaries more flexibility and sometimes additional coverage options, providing more comprehensive care compared to Original Medicare. 

How Does Medicare Part C Work? 

Medicare Part C, or Medicare Advantage, is designed to offer the same benefits as Medicare Part A and Part B, but through a private insurance company contracted with Medicare. These private plans are required to cover at least the same benefits provided by Original Medicare. However, many Medicare Advantage plans offer extra benefits that go beyond those offered by traditional Medicare. While enrollees still have Medicare, their benefits are provided through the private insurer rather than directly from the federal government. There are various Medicare Advantage plans available from different health insurance companies, and the specific coverage and services can vary by plan. 

What Does Medicare Part C Cover? 

Medicare Advantage plans must cover the same services as Original Medicare (Parts A and B), but many plans include additional benefits. One of the most common added benefits is prescription drug coverage (Part D), which eliminates the need to purchase a separate Part D plan. In addition, many Medicare Advantage plans provide dental coverage, including routine check-ups, cleanings, and advanced dental procedures. Vision care is also commonly included, offering coverage for eye exams, glasses, and sometimes even contacts. Hearing services, such as hearing exams and hearing aids, are often covered as well. Some plans also offer wellness programs, including fitness programs, wellness check-ups, and transportation to medical appointments. Additionally, some Medicare Advantage plans provide other supplemental services like acupuncture, chiropractic care, and over-the-counter medications. While all plans must provide the basic coverage offered by Original Medicare, the availability of extra benefits varies from plan to plan and location to location. 

How Much Does Medicare Part C Cost? 

While Medicare Part C offers additional benefits, it also involves costs. In addition to the monthly Part B premium (which is typically $174.70 in 2025), beneficiaries of Medicare Part C must pay a monthly premium for their Medicare Advantage plan. These premiums vary by plan and can range from $0 to $200 or more per month. Medicare Advantage plans also typically have deductibles, copayments, and coinsurance, which can differ based on the specific plan. While these costs may be higher or lower than those associated with Original Medicare, Medicare Advantage plans are required to have an annual out-of-pocket maximum. Once this limit is reached, the plan covers 100% of covered services for the remainder of the year. For 2025, the maximum out-of-pocket limit can be as high as $8,300, depending on the plan. 

What Are the Different Types of Medicare Advantage Plans? 

There are several types of Medicare Advantage plans, each offering distinct benefits and rules. The most common types include Health Maintenance Organization (HMO) plans, which typically require beneficiaries to use a network of doctors and hospitals and may require referrals to see specialists. Preferred Provider Organization (PPO) plans offer more flexibility by allowing beneficiaries to see out-of-network providers at a higher cost. Private Fee-for-Service (PFFS) plans allow enrollees to see any Medicare-approved doctor or hospital as long as they agree to the plan’s terms. Special Needs Plans (SNPs) cater to individuals with specific diseases or conditions, offering specialized care tailored to their needs. Lastly, HMO Point-of-Service (HMOPOS) plans combine elements of both HMO and PPO plans, offering a network of doctors while allowing some flexibility to seek out-of-network care at a higher cost. 

How to Enroll in Medicare Part C 

Enrollment in Medicare Part C can occur when an individual first becomes eligible for Medicare, during the Initial Enrollment Period (IEP), which lasts for seven months—three months before the 65th birthday, the month of the birthday, and three months after. Beneficiaries can also enroll during the Annual Election Period (AEP), which takes place from October 15 to December 7 each year, or during a Special Enrollment Period (SEP) if certain life events occur, such as moving or losing other health coverage. Enrollment can be done directly through the insurance provider offering the plan or via the Medicare website. 

Why Choose Medicare Part C? 

Medicare Part C may be a favorable option for beneficiaries seeking additional coverage beyond what is provided by Original Medicare. Many choose Medicare Advantage because it combines the benefits of Part A and Part B with extra services like dental, vision, and hearing coverage. It may also offer lower out-of-pocket costs, especially for those needing prescription drug coverage. Additionally, some Medicare Advantage plans include wellness programs and transportation assistance. However, it is essential to carefully compare the plans available in one’s area to ensure the network, coverage, and costs align with personal healthcare needs and budget. 

Conclusion 

Medicare Part C, or Medicare Advantage, provides a comprehensive way for beneficiaries to receive all the benefits of Original Medicare while enjoying added benefits such as prescription drug coverage, dental, vision, and more. While these plans may come with additional costs, they also offer extra services and potentially lower out-of-pocket expenses with an annual cap. Understanding the available plans in your area and comparing them will help ensure that you select the Medicare Advantage plan that best fits your healthcare needs. 

The commentary on this blog reflects the personal opinions, viewpoints and analyses of the author, Katherine Sullivan, and should not be regarded as a description of advisory services provided by Foundations Investment Advisors, LLC (“Foundations”), or performance returns of any Foundations client. The views reflected in the commentary are subject to change at any time without notice. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security, or any security. Foundations manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. 

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