Medicare Advantage Questions and Answers
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Understanding Medicare Advantage
Medicare Advantage (Part C) is a private plan that replaces Original Medicare
and often includes extra benefits like prescription drugs, dental, vision,
and hearing.
Medicare Advantage combines Part A and Part B benefits under a private insurer
and often includes additional benefits; Original Medicare is provided directly
by the federal government.
You can enroll during your Initial Enrollment Period around age 65, during the
Annual Enrollment Period (Oct 15 – Dec 7), or Medicare Advantage Open
Enrollment (Jan 1 – Mar 31).
Coverage Details
Whether your doctors are covered depends on the plan’s network;
prescriptions depend on the plan’s formulary, so check both before enrolling.
Many do (MA‑PD plans), but formularies vary; make sure to review drug
coverage carefully.
Costs vary by plan. Some plans have $0 monthly premium, but copays,
deductibles, and max out‑of‑pocket limits differ.
Yes — many Medicare Advantage plans include extra benefits not covered
by Original Medicare.
It’s wise to compare plans each Annual Enrollment Period because carriers
can change benefits and networks yearly.
Getting Help & Next Steps
Consider your doctors, prescriptions, budget, and lifestyle, then consult a
licensed advisor to confirm the best fit.
Licensed agents can explain complex terms and help you understand plan details,
typically at no cost.
Missing enrollment periods can lead to late penalties or gaps in coverage;
review your options early and plan ahead.
Still Have Questions?
Our licensed Medicare specialists are available Monday – Friday, 8 AM – 7 PM ET.
Still Have Questions? Send Us a Message
A licensed Medicare specialist will respond within 1 business day.