Medicare Part C, also known as Medicare Advantage, is an alternative to Original Medicare (Parts A & B). These plans are offered by private insurance companies and often include additional benefits, all in one plan.
What Part C Covers
Medicare Advantage plans bundle coverage for:
- Hospital care (Part A)
- Medical services (Part B)
- Prescription drugs (Part D) – in most plans
- Extra benefits – many plans offer dental, vision, hearing, wellness programs, and more
Tip: Benefits, premiums, and networks vary by plan and by county in Minnesota.
Costs to Consider
- Monthly premiums vary by plan; some may have $0 premium beyond Part B
- Deductibles, copayments, and coinsurance differ by plan
- Out-of-pocket maximums limit your spending each year
Who Should Consider Part C?
- People who want an all-in-one plan instead of Original Medicare plus separate Part D and Medigap
- Individuals who want extra benefits like dental, vision, or hearing coverage
- Minnesotans who are comfortable with network-based care (certain doctors and hospitals in-network)
Why Part C Matters
Medicare Advantage can simplify your coverage by combining multiple benefits into a single plan. It may offer lower out-of-pocket costs and extras not covered by Original Medicare. However, plan rules, provider networks, and county availability matter — choosing the right plan is critical.
Next Steps in Minnesota
- Compare Medicare Advantage plans available in your county
- Review plan networks to ensure your preferred doctors and hospitals are included
- Check if prescription drugs and extra benefits meet your needs
YourMedicareMN can help you compare plans, understand Minnesota-specific rules, and enroll in the best Medicare Advantage plan for you.
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