What Is Medicare Advantage (Part C)?

Medicare Advantage Plans (also called Part C) combine your hospital, medical, and often prescription drug coverage into one convenient plan. These plans are offered by private insurance companies and approved by Medicare. At Schatz Benefits, we help you compare your local options and see if a Medicare Advantage Plan fits your healthcare needs, budget, and lifestyle.

What's Included in Medicare Advantage Plans

Every Medicare Advantage Plan must cover at least the same services as Original Medicare (Parts A & B), but many offer much more. Most plans include:

You'll use the plan's network of doctors and hospitals, which may require referrals for specialists depending on the plan type.

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Hospital coverage (inpatient stays, skilled nursing care, hospice)

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Medical coverage (doctor visits, outpatient care, preventive services)

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Prescription drug coverage (many plans include Part D)

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Extra benefits like dental, vision, hearing, and fitness programs (varies by plan)

Which Type of Medicare Advantage Plan Is Right for You?

Medicare Advantage Plans aren't one-size-fits-all. We'll help you explore options like:

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HMO Plans (Health Maintenance Organization):

Lower costs, but you'll generally need to stay in-network and get referrals for specialists.

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PPO Plans (Preferred Provider Organization):

More flexibility to see out-of-network providers but may have higher costs.

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Special Needs Plans (SNPs):

Designed for people with specific conditions or needs, such as chronic illnesses or dual Medicare/Medicaid eligibility.

Each plan works differently, and our team will help you weigh the pros and cons.

The Benefits of Choosing a Medicare Advantage Plan

Medicare Advantage Plans can simplify your coverage and potentially lower your costs. They're a great option if you:

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Want one plan for medical, hospital, and often drug coverage

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Are comfortable with network restrictions to save money

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Prefer predictable copays over unpredictable Original Medicare costs

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Value extras like dental, vision, hearing, or gym memberships

Our advisors will explain how these plans work in Minnesota and whether one might be right for you.

Common Questions About Medicare Advantage Plans

  • How is Medicare Advantage different from Original Medicare?

    Medicare Advantage bundles hospital, medical, and often drug coverage into one private plan. You'll generally use a network of providers and follow the plan's rules-but many people appreciate the convenience and extra benefits.

  • Does Medicare Advantage replace Medicare Parts A & B?

    Not exactly-you still have Medicare, but your benefits are delivered through the Advantage Plan instead of Original Medicare. You'll use the plan's insurance card, not your red-white-and-blue Medicare card, for most services.

  • Can I switch back to Original Medicare later?

    Yes, but there are specific times of year when you can make changes, such as during the Medicare Annual Enrollment Period. We'll help you review your options before switching.

  • Are there out-of-pocket limits with Medicare Advantage?

    Yes, all Medicare Advantage Plans have an annual out-of-pocket maximum. Once you reach that limit, the plan covers 100% of your covered services for the rest of the year.

  • Can I keep my doctors with Medicare Advantage?

    It depends on the plan and whether your providers are in-network. We'll help you check your preferred doctors and specialists before enrolling.