A Medicare Advantage Plan (sometimes called “Part C”) is a type of Medicare health plan offered by private insurance companies who contract with Medicare. Medicare Advantage Plans must include Part A (Hospital Insurance) and Part B (Medical Insurance) covered by Original Medicare. Oftentimes, they provide additional benefits such as vision or dental care, hearing aids, eyeglasses, and much more. If you join a Medicare Advantage Plan, you are still in the Medicare program. Most Medicare Advantage Plans offer prescription drug coverage.
Who Can Join a Medicare Advantage Plan?
You can generally join if you meet all of the following conditions:
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You live in the service area of the plan you want to join. The plan can give you more information about its service area. If you live in another state for part of the year, check to see if the plan will cover you there.
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You have Medicare Part A and Part B.
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You don’t have End-Stage Renal Disease (ESRD).
Drug Coverage in Medicare Advantage Plans
You usually get prescription drug coverage (Part D) through the plan. In some types of plans that don’t offer drug coverage, you can join a Medicare Prescription Drug Plan.
You can’t have prescription drug coverage through both a Medicare Advantage Plan and a Medicare Prescription Drug Plan. If you’re in a Medicare Advantage Plan that includes drug coverage and you join a Medicare Prescription Drug Plan, you’ll be dis-enrolled from your Medicare Advantage Plan and returned to Original Medicare.
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