How Medicare Advantage (Part C) Works
Medicare Advantage plans are sold by private insurers approved by Medicare, bundling your Part A and Part B coverage — and usually Part D drug coverage too — into a single plan. Many plans also add extra benefits Original Medicare doesn't cover, like dental, vision, hearing aids, and gym memberships, often for a $0 monthly premium beyond what you already pay for Part B.
Top Medicare Advantage Plans Compared
| Insurer | Best For | Extra Benefits | Rating |
|---|---|---|---|
| UnitedHealthcare | Largest network, AARP-branded plans | Dental, vision, hearing, fitness | ⭐ 4.6 |
| Humana | Broadest extra-benefits packages | Dental, vision, hearing, meal delivery on some plans | ⭐ 4.5 |
| Aetna (CVS Health) | Pharmacy integration | Dental, vision, hearing, CVS discounts | ⭐ 4.4 |
| Kaiser Permanente | Integrated care model | Dental, vision (region-dependent) | ⭐ 4.7 |
| Cigna | Simpler plan structures | Dental, vision, hearing | ⭐ 4.3 |
HMO vs. PPO Medicare Advantage Plans
HMO Plans
Usually the lowest premiums, but you must use in-network providers and get referrals to see specialists, except in emergencies. Best if you're comfortable with a defined provider network.
PPO Plans
Higher premiums but more flexibility — you can see out-of-network providers at a higher cost without a referral. Better if you travel frequently or want more choice in specialists.
What to Check Before Choosing a Plan
- Provider network: Confirm your current doctors and preferred hospitals are in-network before switching
- Drug formulary: If the plan includes Part D coverage, check that your specific medications are covered and at what tier
- Star rating: Medicare publishes an annual 1–5 star rating for every Advantage plan based on quality measures and member satisfaction
- Maximum out-of-pocket: Unlike Original Medicare, Advantage plans have an annual out-of-pocket maximum — compare this cap across plans
- Extra benefits you'll actually use: Dental and vision add-ons vary significantly in coverage depth between plans, even when advertised similarly
Frequently Asked Questions
Yes — during the Annual Enrollment Period (October 15–December 7) you can switch to a different Advantage plan or move to Original Medicare for the following year.
Many have a $0 monthly premium, but you still pay your standard Part B premium, plus copays, coinsurance, and deductibles when you use care, up to the plan's annual out-of-pocket maximum.
Yes, during Annual Enrollment or the Medicare Advantage Open Enrollment Period (January 1–March 31). Note that switching back to Original Medicare later may require medical underwriting if you want to add a Medigap plan at that point.