Most often Medicare Advantage gives you better benefits than your original Medicare.
A Medicare Advantage Plan (known as Medicare Part C) is a health plan through a private insurance company that contracts with Medicare to provide you with all of your Part A and Part B benefits.
Medicare Advantage plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.
If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare.
Most Medicare Advantage Plans offer prescription drug coverage. If not, you you can purchase an additional Part D plan.
When can I sign up for Medicare?
Annual Open Enrollment is October 15th through December 7th.
You can change your Medicare health insurance plan during the annual open enrollment period listed above. This is the ONLY time you can change your Medicare Advantage plan, unless you have a qualifying event.
It’s important to note that you can enroll in a new Advantage plan only if you already have Parts A & B.
When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period.
-You are turning 65
-When you move back to or out of the area
-You lose your current coverage
-You require a SNP (Special Needs Plan)