Medicare Advantage, also called Medicare Part C, is a type of health insurance plan offered by private companies that are approved by Medicare. These plans must provide at least the same coverage as Original Medicare (Parts A and B) — and often include extra benefits like prescription drug coverage (Part D), dental, vision, and more.

Many plans offer these added benefits at no additional premium, since Medicare pays these insurers directly to manage your care.

Let’s explore everything you need to know about eligibility, enrollment, coverage, and costs.

✅ Medicare Advantage Eligibility Requirements

🗓️ Medicare Advantage Enrollment Periods

🩺 What Medicare Advantage Covers

Medicare Advantage plans must include everything covered by Original Medicare — and they often offer more:

• Inpatient hospital care

• Doctor visits and outpatient care

• Emergency and urgent care

• Mental health services

• Home health care (non-hospice)

• Prescription drug coverage (in most plans)

• Dental, vision, and hearing benefits

• Fitness programs (like SilverSneakers)

• Worldwide emergency travel benefits

• Over-the-counter (OTC) allowances

📝 Benefits vary by plan. Always review your plan’s Summary of Benefits for full details.

💵 How Much Does Medicare Advantage Cost?

Your costs depend on the specific plan, your location, and how much care you use.

• $0 Premium Plans: Many areas offer plans with $0 premiums — but you must still pay your Part B premium

• Deductibles: Some plans have no deductibles; others have separate drug and medical deductibles

• Copays/Coinsurance: You may pay a fixed fee or a percentage for services

• Out-of-Pocket Maximum: All Medicare Advantage plans have a spending cap — a major benefit over Original Medicare

• Income Consideration: If your income is high, you may pay IRMAA surcharges on Part B and Part D

🤔 Is Medicare Advantage Right for You?

Medicare Advantage plans offer more all-in-one convenience, cost protections, and extra perks — but networks and coverage can vary.

When deciding, consider:

• Your preferred doctors and hospitals

• Prescription needs

• Budget and income

• Desire for extras like dental, vision, or gym memberships

How Graham Life Services Can Help

Choosing the right Medicare Advantage plan doesn’t have to be overwhelming. At Graham Life Services, our licensed agents:

• Explain the benefits of Medicare Advantage in plain language

• Compare local plans to find what suits you best

• Help you avoid unnecessary costs and enrollment mistakes

• Guide you every step of the way — at no cost to you

📞 Reach out for a free consultation and explore your Medicare Advantage options with confidence.