Medicare Advantage plans, compared for you.
All-in-one plans with networks, copays and extra benefits. We check your doctors and prescriptions against every plan in your area.
Parts A, B and usually D
Medicare Advantage plans cover everything Original Medicare does, and most include drug coverage.
Out-of-pocket maximum
Every Medicare Advantage plan limits what you pay each year for covered Part A and B services.
Dental, vision, hearing
Many plans add benefits Original Medicare doesn’t cover, such as routine dental and vision care.
Annual Enrollment
Join, switch or drop a plan each fall, with new coverage starting January 1.
Medicare Advantage, also called Part C, is a way to get your Medicare benefits through a private insurance company approved by Medicare. Instead of using Original Medicare plus separate plans, you get hospital, medical and usually prescription coverage in one plan, often with extra benefits.
How Medicare Advantage works
You stay enrolled in Medicare Parts A and B and keep paying your Part B premium ($202.90 a month in 2026). The plan then covers your care, usually through a network of doctors and hospitals. Some plans have a $0 monthly premium, while others charge a premium for richer benefits or a wider network.
HMO plans
Health Maintenance Organization plans generally use in-network doctors and hospitals, except in emergencies. You may need a referral to see a specialist.
PPO plans
Preferred Provider Organization plans let you see doctors outside the network, usually at a higher cost. They can suit people who want more flexibility.
What to compare before you choose
- Your doctors. Are your doctors and hospitals in the network?
- Your prescriptions. Are your drugs on the plan’s formulary, and at what tier?
- Copays and the yearly maximum. What would a typical year, and a bad year, cost you?
- Extra benefits. Dental, vision, hearing and fitness benefits vary a lot between plans.
- Travel. If you spend time away from home, how does the plan handle care out of the area?
Is Medicare Advantage right for you?
Medicare Advantage can be a good fit if you want one card, lower monthly premiums and extra benefits, and you’re comfortable using a network. If you want to see any doctor who accepts Medicare with very predictable costs, a Medicare Supplement may suit you better. Read our comparison of Medicare Advantage and Original Medicare to see the trade-offs.
What we check for you
- Your doctors and hospitals in each network
- Every prescription priced on the plan’s formulary
- Copays, premiums and the yearly out-of-pocket maximum
- Dental, vision and hearing extras compared
- A fresh review every Annual Enrollment Period
Related reading
Is Medicare Advantage Better Than Original Medicare?
Medicare Advantage vs Original Medicare: learn the key differences in costs, networks, and coverage to help you pick the right plan for your retirement.
Read article
What Questions Should You Ask Before Choosing a Medicare Plan?
Not sure what questions to ask before choosing a Medicare plan? These key questions help you check doctors, drugs, costs, and networks before you commit.
Read articleFrequently asked questions
Do I still pay my Part B premium with Medicare Advantage?
Yes. You stay enrolled in Part B and keep paying the Part B premium, plus any premium the plan charges.
Can I switch back to Original Medicare?
Yes. You can change plans or return to Original Medicare during the Annual Enrollment Period (October 15 to December 7). The Medicare Advantage Open Enrollment Period (January 1 to March 31) also lets you make one change if you’re already in a Medicare Advantage plan. Keep in mind that buying a Medicare Supplement later may require health questions in most states.
Do Medicare Advantage plans include drug coverage?
Most do. Plans that include drug coverage are often called MAPD plans. If a plan doesn’t include drug coverage, you usually can’t add a separate Part D plan to it.
What happens if I travel?
It depends on the plan. Emergency and urgent care are covered anywhere in the U.S., but routine care outside the service area may not be. PPO plans often offer more flexibility.
How much does it cost to work with you?
Nothing. The insurance company pays the broker, so you get expert help at no cost.
Find the Advantage plan that fits your doctors.
We check networks, prescriptions and yearly costs for you, so there are no surprises later.