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Find out How Medicare Advantage Plans work with Medicare at

How Medicare Advantage

plans works

Medicare Advantage plans are offered by private insurance companies that contract with Medicare to help with the cost left behind by Medicare Part A and B with smaller co-pays and a maximum out of pocket.  These plans have the following features and benefits:

  • No or Low monthly Premiums
  • Network based care
  • Maximum Out of Pockets
  • Some Additional Benefits Available
  • No Deductibles
  • Multiple Plans to Choose from
  • Many have Part D drug plans included


Medicare advantage plans are contracted with Medicare each year and can and often change year to year, that is one reason why a Medicare Advantage plan is subject to the annual enrollment period each year from October 15th through December 7th.  Medicare Advantage plans are mostly HMO based network type plans with service area restrictions.  Many Medicare Advantage plans have prescription plans included and also have some additional benefits that are not part of original Medicare like gym memberships or vision and dental.

Medicare Advantage plans or "Medicare Part C" type plans are contracted with Medicare to deliver the administration of Medicare through a private insurer.  Some of these types of plans include prescription dug coverage and can have some additional benefits original Medicare does not include.