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NJ Life & Health Insurance Group
Medicare Part C

What is Medicare Part C?

Medicare Part C is known as Medicare Advantage. In its most basic form, Medicare Advantage is an equivalent to Parts A & B from Medicare-approved private insurance companies. 

How Do I Enroll In Medicare Part C?

To enroll in Medicare Part C, or a Medicare Advantage plan (MAPD), you must be enrolled in Medicare parts A and B, continue to pay your Part B premium, and live within the plans service area. You can choose to enroll in an MAPD during your Initial Enrollment Period upon first joining Medicare, or each year during during the Annual Enrollment period from October 15th - December 7th. You may also qualify for a Special Election Period that allows you to enroll outside these windows. 

What Does Medicare Part C Cover?

  • Medicare Advantage Plans always cover emergency and urgent care.​

  • Medicare Advantage Plans provide all of your Part A and Part B benefits, excluding clinical trials (clinical research studies), hospice services, and, for a temporary time, some new benefits that come from legislation or national coverage determinations. Be sure to contact your plan if you have questions about covered services.

  • Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, or gym memberships.​​

  • Most Medicare Advantage plans include Medicare prescription drug coverage (Part D).​

What If I'm On Medicare Disability?

People under 65 who have been on Social Security Disability for 24 months or have ESRD or ALS are eligible for Medicare. When on Medicare due to disability, you can choose any Medicare Advantage plan or Stand Alone Prescription Drug Plan available to Medicare recipients in your area. There may also be plans available in your area specific to your condition like D-SNP plans, C-SNP plans, and more. You are also able to choose from a few different Medicare supplements if you are under 65. Your choices of Plan and carrier vary greatly depending on your state, age, and Medicare Enrollment date.  

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