Medicare Advantage
Written By Michael Power 6/22/2025
Key Points
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Medicare Advantage is Part C of Medicare, providing equivalent coverage to Parts A & B through Medicare-approved private insurance companies
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Many enjoy Advantage plans because they offer benefits Original Medicare doesn't such as Dental and Vision
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Medicare Disability recipients under 65 can choose the same Advantage plans available to those over 65
What is Medicare Advantage?
Medicare Advantage is Part C of Medicare. 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 A Medicare Advantage Plan?
To enroll in Medicare Advantage, 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.
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What Does Medicare Part C Cover?
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Medicare Advantage Plans always cover emergency and urgent care.
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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.
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Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, or gym memberships.
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Most Medicare Advantage plans include Medicare prescription drug coverage (Part D).
What If I Have Medicare Due To 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.
About the Author
Michael Power is a licensed life and health insurance broker with NJ Life and Health. He has personally helped hundreds of people with their Medicare needs across several states.