What is Medicare Part C and what are its coverage options?

Medicare Part C, also known as the Medicare Advantage Plan, is one of the options you have in Medicare. This plan is available through several private insurance providers who are authorized to sell this plan by Medicare.

What is Medicare Part C?

To understand what Medicare Part C is, you need to understand that it is an option that combines the coverage offered by Part A and Part B along with some other areas not covered by the two plans.

Medicare Part C plans allow you to cover your healthcare requirements that are not covered by Part A or Part B, such as dental services, hearing and vision checks, and wellness programs. Most Part C plans also provide coverage for prescription drugs.

When you apply for Part C coverage, the amount needed for this coverage will be paid by Medicare to the company from which you obtained the plan. However, you will have to pay a certain amount separately from your own pocket.

Medicare Advantage plan costs

To cover Part C, you must pay each month a premium that is separate from the premium you pay for Part B. The amount you must pay depends on several factors, as described below.

  • The number of deductibles that the plan allows you each year
  • The nature of the healthcare you require and the frequency with which you use it
  • The amount of money you pay for each service or doctor’s visit
  • Whether part of your premium for Part B will be deducted from this Medicare Advantage plan
  • The amount listed in this plan as an eligible cost for the medical services you use

Points to remember

When you decide to get a Medicare Advantage Plan, it is important to keep a few of these things in mind.

First, you can choose between different plans, such as health maintenance organization options, preferred provider organization, and private service charge. Before making a purchase decision, make sure you have a thorough understanding of the terms and conditions specified for each option.

Second, make a note of the rules that the plan specifies, such as the time you can join or unsubscribe from the plan, the rights you have under the plan, and the services to which the plan applies. Pay special attention to the conditions of visiting a specialist and obtaining authorization for specific procedures, otherwise it may happen that you find out too late that you will have to bear these costs yourself.

Part C is advantageous because anyone can participate in this plan, regardless of their existing medical condition. The only exception is that patients with end-stage renal disease are not eligible for this coverage.

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