Medicare Advantage (Part C)

Understanding Medicare Advantage (Part C)

Medicare Advantage, also called Part C, is a way to receive your Medicare coverage through a private insurance company approved by Medicare.

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

How Medicare Advantage Works

Medicare Advantage plans are offered by private companies that contract with Medicare. Coverage rules, provider networks, and costs are set by each plan and vary.

Offered by Private Insurers

Medicare Advantage plans are offered by private insurance companies that are approved by and contract with Medicare.

Part A and Part B Coverage

Plans must provide the same Part A and Part B coverage that Original Medicare provides. How that coverage is delivered is set by each plan.

Coverage Rules Vary by Plan

Each plan sets its own provider network, referral rules, and coverage terms. A licensed agent can explain how a specific plan works.

Questions about Medicare Advantage?
Speak With a Licensed Agent

Generally, people enrolled in both Medicare Part A and Part B may join a Medicare Advantage plan. A licensed agent can answer questions about eligibility.

Types of Medicare Advantage Plans

Medicare Advantage plans come in several types. The type determines how the plan's network and referral rules work.

Doctor talking to a senior patient (HMO plan)

HMO Plans

Health Maintenance Organization. Care is generally coordinated through a primary care physician within the plan's network.

Senior couple consulting with a doctor (PPO plan)

PPO Plans

Preferred Provider Organization. These plans use a network of providers, with rules set by the plan.

Nurse helping a senior woman (Special Needs plan)

Special Needs Plans (SNPs)

Special Needs Plan. These plans limit enrollment to people who meet specific eligibility criteria.

Senior man enjoying outdoor activity (PFFS plan)

PFFS Plans

Private Fee-For-Service. These plans set their own terms for how providers are paid.

What to Expect When You Call

Step 1 — We listen.

A licensed agent asks about your situation and what questions you have.

Step 2 — We explain.

The agent walks through how the coverage you're asking about works.

Step 3 — You decide.

There's no pressure and no obligation. You decide if and when to move forward.

Learning More About Your Options

Medicare publishes complete, neutral information about Original Medicare and Medicare Advantage at Medicare.gov, or by calling 1-800-MEDICARE. If you have questions about the plans we offer, a licensed agent is available to help.

Got questions? We’ve got answers.

If you don't see your question below, call to talk with one of our licensed agents.

What’s the difference between Medicare Advantage and Original Medicare?
Original Medicare is coverage provided directly through the federal Medicare program. Medicare Advantage, or Part C, delivers your Medicare coverage through a private insurance company approved by Medicare. Medicare.gov and 1-800-MEDICARE provide complete information on both.
Can I keep my doctor with these plans?
Provider networks are set by each plan. A licensed agent can review the specifics of any plan you're considering.
How much does a consultation cost?
There is no cost to speak with one of our licensed agents, and no obligation.
Why Healthcare Solutions?
We are an independent agency licensed in 48 states. Our agents are licensed and available to answer your questions before and after enrollment.
Do your agents work for me or the insurance companies?
Our agents are licensed insurance agents. There is no cost to you for speaking with us. Agents are compensated by the carriers whose products they offer.
Where are you based?
Our main office is in Tampa, FL, and our licensed team helps customers nationwide by phone and online.
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