Medicare Advantage · Part C
All-in-one Medicare coverage — with networks and extras to compare.
Medicare Advantage plans are Medicare-approved private plans. They deliver Part A and Part B, usually include Part D, and often add extra benefits Original Medicare does not cover.
Who this is often a good fit for
- People who want dental, vision, or hearing benefits in the same plan
- People comfortable using a local provider network
- People who want an annual limit on medical out-of-pocket costs
- People whose doctors and preferred pharmacy are in-network for a plan in their county
How Medicare Advantage works
You must have Part A and Part B to join. You still pay the Part B premium to Medicare. The Advantage plan may charge its own premium, copays, and a maximum you can spend in a year.
Most plans use an HMO or PPO network. You may need referrals or prior approval for some services. Out-of-network care can cost more or not be covered, except in emergencies.
Extra benefits such as dental, vision, hearing, or fitness programs vary by plan, county, and year. They are not guaranteed just because a plan is “Advantage.” That is why we review your doctors, drugs, and ZIP code before you enroll.
This website does not advertise a specific plan, premium, or extra-benefit amount. Plan details change every year and must match what Medicare and the carrier have on file.
Two paths — not a contest
| Question | Medicare Advantage | Original Medicare + Medigap |
|---|---|---|
| How you get care | Through a private plan’s network rules | Any provider that accepts Medicare |
| Drug coverage | Usually included | Add a separate Part D plan |
| Extra benefits | Often include dental, vision, or hearing | Not typical in Medigap; extras are usually separate |
| Out-of-pocket limit | Yes — an annual maximum for covered in-network care | Original Medicare has no cap; Medigap reduces what you owe |
| Travel | Emergency coverage nationwide; routine care may be local-only | Routine care anywhere Medicare is accepted |
What Angelo does
- Maps your doctors and pharmacy against plans available in your county
- Checks whether your prescriptions are on the formulary and at what tier
- Explains referrals, prior authorization, and the out-of-pocket maximum
- Helps with enrollment and stays available if a claim or formulary issue comes up
- Runs an annual review during the fall enrollment period
Common questions
Is Medicare Advantage “free”?
No. You still pay the Part B premium. Some plans charge little or no extra monthly premium; you can still owe copays and coinsurance until you hit the plan’s yearly limit. We will look at your actual costs, not a headline.
Can I switch later?
Yes, but only in allowed windows. The Annual Enrollment Period is October 15–December 7. If you already have Advantage, there is also a January 1–March 31 window to change Advantage plans or return to Original Medicare. Other special periods exist after a move or a loss of coverage.
What if my doctor is not in the network?
Then that plan is probably not the right plan. We start with your doctors, not with a brochure.
Do you represent every plan?
No. See the disclaimer at the bottom of every page. You can always compare the full market at Medicare.gov or by calling 1-800-MEDICARE.
Will you pressure me to enroll?
No. If the honest answer is “keep what you have,” that is the advice.
Ready to talk through your options?
No pressure. Bring a list of doctors and medications if you have them. We will go at your pace.