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Medicare

Medicare Advantage plans built around how you actually get care.

Medicare Advantage plans bundle your medical and often drug coverage into one plan, sometimes with extras like dental or vision, through a private carrier approved by Medicare.

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The Basics

How Medicare Advantage (Part C) works.

Medicare Advantage plans are offered by private insurers as an alternative to Original Medicare, combining Part A and Part B coverage, often with Part D drug coverage included.

Plans vary by carrier and by county, so what’s available in Belgrade may differ from Bozeman. We help you compare what’s actually offered where you live.

  • Combines Part A, Part B, and often Part D into one plan
  • May include extra benefits like dental, vision, or hearing
  • Plans and networks vary by county and carrier
  • Often includes an annual out-of-pocket maximum

Common Extra Benefits

  • • Dental coverage
  • • Vision coverage
  • • Hearing aid allowance
  • • Fitness program memberships
What’s Included

Core elements of Medicare Advantage

Hospital & Medical Coverage

Combines Original Medicare Part A and Part B benefits into one plan.

Prescription Drug Coverage

Many plans include Part D drug coverage bundled in.

Network Structure

Plans typically use HMO or PPO networks, which affects which doctors you can see.

Extra Benefits

Optional add-ons like dental, vision, and hearing coverage.

Out-of-Pocket Maximum

An annual cap on what you’ll pay, which Original Medicare alone doesn’t have.

Annual Plan Review

Checking your plan each year during open enrollment since options can change.

Common Questions

Medicare Advantage FAQs

Is Medicare Advantage the same as a Medigap plan?
No. Medicare Advantage replaces Original Medicare with a private plan, while Medigap supplements Original Medicare. They work differently and generally can’t be combined.
Can I switch Medicare Advantage plans every year?
Yes, during the annual enrollment period each fall, you can switch plans or move back to Original Medicare.
Do Medicare Advantage plans cover prescription drugs?
Most do, bundling Part D coverage into the same plan, though it’s worth confirming for any specific plan you’re considering.

Let’s talk about your medicare advantage coverage.

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