Medicare Advantage

This is a federal health insurance program primarily for individuals age 65 or older, younger people with disabilities, and for people with End Stage Renal Disease (permanent kidney failure).


There are four parts to Medicare: Parts A, B, C and Part D.


Part A is for hospital coverage. Part B is for outpatient medical coverage (like doctor office visits). Part C is a Medicare Advantage Plan, and Part D is prescription drug coverage. Medicare Advantage Plans (Part C) are accessible through private insurance companies and must offer the same benefits as Parts A and B of Original Medicare, but the rules are different along with costs and restrictions. They also include more benefits, such as vision, dental, hearing and health/wellness plans. Another add-on value to Medicare coverage is the purchase of a Medicare supplement or “Medigap” plan that fills the “gaps” in insurance that Medicare doesn’t cover (like a deductible).