What Is Medicare Advantage (Part C)?

Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare. Private insurance companies, approved by Medicare, bundle Part A and Part B coverage — and usually Part D prescription drugs — into a single plan.

Many Advantage plans add extras Original Medicare doesn't include, such as dental, vision, hearing, fitness benefits, and even over-the-counter allowances. Premiums are often $0, though you still pay your Part B premium.

The trade-off is that Advantage plans use provider networks (HMO or PPO) and require you to follow plan rules — like referrals, prior authorizations, and using in-network doctors. Out-of-pocket costs are capped each year, but vary by plan.

Advantage isn't better or worse than Original Medicare with a Supplement — it's different. The right choice depends on your doctors, prescriptions, travel habits, and budget. We help you compare both paths side by side.