Medicare Advantage Plans (Part C)
All-in-one Medicare plans that combine your hospital, medical, and often prescription coverage into one simple plan.
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No-cost, no-pressure guidance by phone, video, or an in-home visit.
Monthly premium plans available in many areas
Medicare Advantage (MAPD) plans are offered by private insurance companies approved by Medicare. They include everything Original Medicare covers plus extra benefits like prescription drugs, dental, vision, hearing, and fitness programs.
What does Medicare Advantage cover?
Medicare Advantage (Part C) plans, offered by private insurers approved by Medicare, include everything Original Medicare covers — and usually bundle in prescription drug coverage plus extras like dental, vision, hearing, and fitness. It's an all-in-one alternative to Original Medicare, often with a $0 monthly premium in many areas. You use the plan's provider network and pay copays as you receive care.
Hospital & Medical
Covers hospital stays, doctor visits, and specialist care under one plan.
Prescription Drugs
Most plans include built-in prescription drug coverage (Part D), with tiered formularies and pharmacy networks.
Dental Coverage
Preventive dental care is often included, with some plans offering additional coverage for services like fillings, crowns, and more.
Vision Coverage
Annual eye exams, plus allowances for frames, lenses and contacts.
Hearing Benefits
Routine hearing exams and hearing aid allowances included with many plans.
Fitness & Wellness
Many plans include gym memberships, wellness programs, and over-the-counter allowances.
How is Medicare Advantage different from Original Medicare?
Original Medicare lets you see any provider nationwide that accepts Medicare, has no annual out-of-pocket cap, and keeps prescription drug coverage separate. Medicare Advantage uses a plan network and copays, but adds a yearly out-of-pocket maximum and bundles drugs and extra benefits into one plan. The right fit depends on whether you value nationwide flexibility or all-in-one convenience.
| Feature | Medicare Advantage | Original Medicare |
|---|---|---|
| Monthly Premium | $0 available | Part B only |
| Doctor Network | Plan network | Any Medicare provider |
| Prescription Drugs | Included | Separate Part D needed |
| Dental/Vision/Hearing | Often included | Not covered |
| Out-of-Pocket Max | Yes (capped) | No limit |
| Fitness Benefits | Often included | Not covered |
| Ideal For | All-in-one convenience | Maximum flexibility |
What extra benefits does Medicare Advantage include?
Many Medicare Advantage plans add benefits Original Medicare doesn't cover, such as routine dental, vision, and hearing care, gym memberships, over-the-counter allowances, and rides to medical appointments. Availability varies by plan and location, so it's worth confirming which extras are offered where you live before you enroll.
Transportation
Rides to and from medical appointments, pharmacies, and other healthcare-related destinations.
Fitness Programs
Gym memberships and fitness programs like SilverSneakers included at no extra cost.
Personal Emergency Response (PERS)
Medical alert devices and 24/7 monitoring for emergencies at home.
Food & Utility Allowances
Healthy food cards, grocery allowances, and help with utility or rent payments.*
Dental, Vision & Hearing
Routine dental cleanings, eye exams, glasses, hearing exams, and hearing aids.
*Availability varies by plan and location. Not all plans offer all benefits.