Medicare Advantage By State
Most states offer Medicare Part C, also known as Medicare Advantage, as an alternative to Original Medicare (Part A and Part B).
Medicare Advantage can be thought of as all-in-one plans that allow you to get your Medicare coverage from a private insurance company instead of directly from the government.
Medicare Advantage combines your Part A (hospital) and Part B (medical) benefits in one convenient plan. Medicare Advantage plans often include prescription drug (Part D) benefits as well. So, Medicare Advantage (Part C) can equal A + B + D.
Read about Medicare Advantage and then click your state in the map to find out more.
Medicare Advantage extra benefits
Medicare Advantage plans often offer extra benefits beyond prescription drug coverage. These extra benefits can include:
- Routine dental care
- Routine vision care
- Routine hearing coverage
- Fitness programs, such as SilverSneakers
- Transportation to doctor visits and grocery stores
- Meal delivery
- Over-the-counter medication benefits
Medicare Advantage out-of-pocket maximum
Another benefit of Medicare Advantage plans is the out-of-pocket maximum that each plan has. After you reach your out-of-pocket maximum for the year, you generally pay nothing more for covered benefits for the calendar year. The out-of-pocket maximum amount may vary from plan to plan.
Medicare Advantage networks
Most Medicare Advantage plans are structured with a network. These networks include PPO (Preferred ProviderOrganization) or HMO (Health Maintenance Organization). If you’re in a Medicare Advantage plan with a network, you generally must see a provider in-network to be covered or fully covered. Medicare Advantage plans aren’t standardized by state; you may find a lot of variety in your area. The basic guidelines for Medicare Advantage plans are set by the federal government. Specific details are set by the private insurance companies that offer the plan.