Senior Health Information and Insurance Education

Part C Coverage

Pays covered hospital, doctor and outpatient care; known as Medicare Advantage Plans or Medicare Health Plans.

Part C is an alternative to Medicare Parts A (hospital care) and B (doctor and outpatient care). Medicare pays a private insurance company to manage Parts A and B. When you enroll, the provider bills the insurance company instead of Original Medicare.

Find out what plans are available in your county: Enter your zip code, follow the steps and choose "Health Plans."

What will it cost?

  • Part C plans may require a monthly premium, as costs vary. Most people pay between $0-$200 per month.
  • You may have copays and other out-of-pocket costs.
  • Additionally, you must pay your Part B (doctor and outpatient care) premium.

What does it cover?

  • Part C covers all services Original Medicare Parts A and B cover.
  • May have limited providers in your area, ask your provider if they work with the plan you are considering.
  • Most Part C plans include prescription drug coverage (Part D).
  • Part C may provide additional coverage, such as vision and dental, not covered by Part A (hospital care) and Part B (doctor and outpatient care).

Good questions to ask before joining a plan

SHIINE recommends you talk to your providers, clinic, hospital and plan to determine if it is a proper fit for your situation.

When can I enroll?

How can I enroll?

  • Calling the plan directly
  • Calling 800-MEDICARE (800.633.4227) or
  • Going to Medicare.gov
If you have End Stage Renal Disease (ESRD), you cannot enroll in Part C.


 
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