Medicare Advantage, or Medicare Part C, Plans, are private insurance plans that include coverage for Original with added benefits, like dental, vision, prescriptions and more.


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Coverage for those 65+ or eligible due to certain health conditions.

Stand-alone plans for dental, vision and hearing care.

Coverage for adults and children who qualify based on income.

New to Medicare? Here's a great place to get started.

Learn about Medicare Advantage, RX and Medicare Supplement plans.

Understand the rules for who can enroll and when.

Understanding Medicare enrollment periods

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What is a Medicare Part C (Medicare Advantage) plan?

Medicare Advantage plans cover all the inpatient and outpatient services that Medicare Part A and Part B cover, except clinical trials and hospice services.

Some of the medically necessary services covered by Medicare Advantage plans and Original Medicare include:

Primary care and specialist doctor visits

Laboratory tests

X-rays

Emergency ambulatory services

Durable medical equipment

Preventive tests and vaccines

Physical therapy



Medicare Advantage plans can also include prescription drug coverage. To get the same coverage with Original Medicare, you’d have to buy a separate prescription drug plan and pay a separate premium.

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Extra benefits included with a Medicare Advantage plan

Since MA plans are offered by private companies, they can be customized with extra benefits. Some benefits may provide coverage for:

Routine dental care (dental exams, X-rays, teeth cleanings)

Routine vision care (eye exams, eyeglasses and contacts)

Routine hearing care (hearing tests, hearing aids)

Fitness programs

Gym memberships

Over-the-counter drugs

MA plans can also be customized to treat specific conditions and diseases.

The main difference is Medicare Advantage plans are offered by private companies and Original Medicare is administered by the federal government.

 To learn more about the differences, check out this helpful side-by-side comparison of Original Medicare and Medicare Advantage.

<a href="/medicare/medicare-resources/what-is-hmo" class="adj-link-inline">HMOs</a> may offer lower premiums than other plans. You must usually stay within your plan’s network for care and services.
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<a href="/medicare/medicare-resources/what-is-ppo" class="adj-link-inline">PPOs</a> may allow you to go out-of-network for care. You will usually pay less if you stay within the plan’s network.
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A <a href="/medicare/medicare-advantage-plans/humana-choice-pffs" class="adj-link-inline">PFFS plan</a> may or not be network-based and requires non-network providers to accept Medicare reimbursement and the plan’s terms.
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<a href="/medicare/medicare-advantage-plans/humana-special-needs" class="adj-link-inline">SNPs</a> are designed for people with chronic conditions such as diabetes, and individuals who qualify for both Medicare and Medicaid.
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MSAs combines a high-deductible plan with a designated savings account. These plans do not include prescription drug coverage.
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These hybrid HMOs let you go outside the network for treatment but may have a higher cost. There can be separate deductibles for in-network and out-of-network costs.
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Everyone has different health needs. If you have a chronic condition or need routine medical care, the comprehensive coverage of a Medicare Advantage could make sense. Set aside time to research MA plans that fit your needs, make a list and choose the 1 that benefits you the most.

“Medicare Advantage and Medicare Prescription Drug Programs to Remain Stable as CMS Implements Improvements to the Programs in 2025,” CMS.gov, last accessed Nov. 13, 2024.




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Plan	Details
Health Maintenance Organization (HMO)
Preferred Provider Organization (PPO)
Private Fee-For-Service (PFFS)
Special Needs Plan (SNP)
Medical Savings Account (MSA)
HMO Point-of-Service (HMO-POS)

Types of Medicare Advantage plans