Find Your Coverage From Medicare Advantage | Medicare Made Clear

The first thing to know about Medicare Advantage (Part C) plans is that they work much like employer coverage you may have had.

You may choose a single plan that combines coverage for:

The second thing to know is that you may have many Medicare Advantage plans to choose from. There could be 10, 20 or more different plans available, depending on where you live. Plans are offered by private insurance companies approved by Medicare. Each plan operates within a region, state or county.

You also need to know that each Medicare Advantage plan is different. Even though every plan must cover everything that Original Medicare (Parts A and B) does, many offer additional benefits. Costs are also specific to each plan and may vary widely. There are different types of Medicare Advantage plans, too.

So you may have a lot of choices, which can be good. Also, you can change plans at select times if you choose to.

Medicare Advantage or Medicare supplement insurance?

Both may help with some costs not covered by Original Medicare (Parts A and B), but they work in different ways.

learn the difference >

Tips for Plan Shopping

You may need to look at several Medicare Advantage plans to find one that might fit with your needs. Here are a few things to consider when shopping for a plan:

  • Most plans have provider and pharmacy networks. You typically pay less if you use them. Check to see if your doctor, pharmacy or other provider is in the network of any plan you’re interested in.
  • Plans with prescription drug coverage list the drugs they cover in their formularies. Make sure your drugs—or suitable alternatives—are listed.
  • Premiums, deductibles, co-pays and co-insurance may vary widely between plans. Consider how you use health care services and what the costs may be with each plan.
  • Plans must put a cap on your annual out-of-pocket costs. The maximum allowed is $6,700 in 2019. Some plans set lower caps, so look for the amount in the plan details.
  • Coverage and costs may change from year to year. It’s a good idea to revisit your plan choice annually.

Find a List of Medicare Advantage Plans

You can find a list of plans in your area and some details about each one at Medicare.gov.

Oct. 15 Remember this date!

Medicare lets you change plans during open enrollment each year, so you’re not locked in to one choice forever.

learn about changing plans >
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