What is Medicare Part C?

Medicare Part C, also known as Medicare Advantage, is an alternative to Original Medicare (Part A and Part B) offered by private insurance companies approved by Medicare. Part C combines the benefits of Part A, Part B, and often Part D (prescription drug coverage) into one plan. It typically includes additional benefits like dental, vision, hearing, and wellness programs. Medicare Advantage plans may have network restrictions, requiring beneficiaries to use providers within a specific network or pay more if they seek care outside the network. Part C offers different options, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service (PFFS) plans, and Special Needs Plans (SNPs), each with its own rules and costs. It's essential for individuals to carefully consider the benefits, costs, and network limitations of Medicare Part C before making a decision.