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How does Medicare Advantage (Part C) help me pay for what Medicare does not cover?

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Medicare Advantage plans are private insurance plans that contract with the federal government to offer Medicare benefits to enrollees. It’s an alternative to having Medicare Part A and B, as well as add-on coverage like Part D and Medigap insurance.

Medicare Advantage plans may cover things that original Medicare doesn't. For instance, most have built-in drug coverage. Some may have additional benefits -- like dental, hearing, vision, or wellness programs. You may have to pay an extra monthly fee for a Medicare Advantage plan on top of your monthly Medicare premiums. You also must go to doctors and other providers who belong to the plan’s network, and follow other rules for getting benefits, such as pre-authorization to see a specialist.

SOURCES:

Centers for Medicare and Medicaid Services: "What Medicare Covers," "What's not covered by Part A & Part B?" "Supplements & other insurance," "What's Medicare supplement (Medigap) insurance?" "Your Medicare Coverage: Hospital Care," "Medicare Coverage of Durable Medical Equipment and Other Devices," "Decide how to get your Medicare," "Medicare Advantage Plans," "Catastrophic coverage," "How do Medicare Advantage Plans work?" "Medicare & You," "How to Get Drug Coverage," "Save on Drug Costs," "Medicaid," "Medicare Advantage Plans Cover All Medicare Services," "Medicare Savings Programs,"  "What is Long-term Care?" "Help with Medical and Drug Costs," "Part B Costs," "Prescription drugs (outpatient) limited coverage," "Medicare Prescription Drug Coverage(Part D)."

Social Security Administration: "Income and resource requirements for the Extra Help with prescription drug costs."

Kaiser Family Foundation: "Medigap: Spotlight on Enrollment, Premiums and Recent Trends," "Medicare Advantage."

Families USA: "Stand Up for Health Care: Filling the Financial Gaps in Medicare Coverage."

Marc Steinberg, deputy director of health policy, Families USA.

Medicare Interactive: "Can I Have Both Medicare and Veteran's Benefits?"

AARP: "10 Misconceptions about Long-Term Care Insurance."

NIH Senior Health: "Long-Term Care."

Reviewed by Sarah Goodell on June 01, 2018

SOURCES:

Centers for Medicare and Medicaid Services: "What Medicare Covers," "What's not covered by Part A & Part B?" "Supplements & other insurance," "What's Medicare supplement (Medigap) insurance?" "Your Medicare Coverage: Hospital Care," "Medicare Coverage of Durable Medical Equipment and Other Devices," "Decide how to get your Medicare," "Medicare Advantage Plans," "Catastrophic coverage," "How do Medicare Advantage Plans work?" "Medicare & You," "How to Get Drug Coverage," "Save on Drug Costs," "Medicaid," "Medicare Advantage Plans Cover All Medicare Services," "Medicare Savings Programs,"  "What is Long-term Care?" "Help with Medical and Drug Costs," "Part B Costs," "Prescription drugs (outpatient) limited coverage," "Medicare Prescription Drug Coverage(Part D)."

Social Security Administration: "Income and resource requirements for the Extra Help with prescription drug costs."

Kaiser Family Foundation: "Medigap: Spotlight on Enrollment, Premiums and Recent Trends," "Medicare Advantage."

Families USA: "Stand Up for Health Care: Filling the Financial Gaps in Medicare Coverage."

Marc Steinberg, deputy director of health policy, Families USA.

Medicare Interactive: "Can I Have Both Medicare and Veteran's Benefits?"

AARP: "10 Misconceptions about Long-Term Care Insurance."

NIH Senior Health: "Long-Term Care."

Reviewed by Sarah Goodell on June 01, 2018

NEXT QUESTION:

How does the Qualified Medicare Beneficiary (QMB) Program help me pay for what Medicare does not cover?

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