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Medicare Advantage or Part C
The second option, in contrast to a Medicare Supplement plan, is Part C of Medicare or a Medicare Advantage Plan. These plans are offered by private insurance companies, providing all original Medicare Part A and Part B health coverage and sometimes covering Part D drug coverage.
Typically, plans in Florida have a ZERO premium associated with them, but in some states, there is a small monthly premium. These companies are subsidized by Medicare; therefore, premiums are less than a Medicare Supplement plan.
There are limitations to these plans. You could be hit with unexpected out-of-pocket expenses with a hospital stay, cancer, or surgeries. You must also choose a plan that accepts your doctors, but you should be aware that doctors can leave your plan’s network anytime.
You must be entitled and enrolled in Medicare Part A & B to select a Part C Advantage plan. Although your Medicare Advantage plan will be your primary insurance, Medicare will be secondary.
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