Medicare Advantage Plans, also known as Part C, are an alternative way to receive your Medicare benefits. Instead of getting coverage directly through Original Medicare, you enroll in a private insurance plan approved by Medicare that combines Part A (hospital) and Part B (medical) coverage into a single plan. Most Medicare Advantage plans also include Part D (prescription drug coverage), along with additional benefits not offered by Original Medicare—such as dental, vision, hearing, fitness memberships, and more.

These plans function more like traditional group or employer-sponsored insurance. They often have lower monthly premiums than Medigap plans, but in exchange, they come with specific provider networks, prior authorization requirements, and regional limitations based on your ZIP code. Unlike Medigap, Medicare Advantage plans typically operate within HMO or PPO networks, meaning your access to care is tied to the plan’s rules and participating providers.

Each Medicare Advantage plan has an annual out-of-pocket maximum, which can help limit unexpected costs. However, it’s important to understand that this limit only applies to services covered by the plan—and those services may be subject to approval, referral, or network restrictions.

Medicare Advantage can be a smart solution for those seeking all-in-one convenience, but it also requires more active management of care. Understanding the structure of these plans is critical before enrolling.