A, B, C and D’s of Medicare

Medicare Part C (Medicare Advantage)

Medicare Part C (Medicare Advantage) combines Part A, Part B and sometimes Part D prescription drug coverage in one plan offered by a private insurance company with a Medicare contract. These plans must cover all the medically-necessary services Original Medicare Part A and B cover. However, these plans can charge different copays, coinsurance and deductibles for these services. These plans may also offer additional services that Original Medicare does not cover.

How much does it cost?
Premium and coverage vary by company and you must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another third-party.

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en to Enroll
First you must be enrolled in Medicare Parts A and B to enroll in a Medicare Advantage plan. Your initial election period for Medicare Advantage lasts for 7 months including the month you become eligible for Original Medicare and the three months prior and after the month you become eligible.

After this initial election period ends, you are locked-in to the plan you choose until the next Annual Election Period or Open Enrollment Period for Medicare Advantage plans.

It’s important to remember that you have an opportunity each year to change your Medicare Advantage plan. However, you can only change at certain times of the year. Please see Important Dates for Part C & D for more information.