Part C (Medicare Advantage) is the alternative to Original Medicare — bundling your hospital, medical, and usually drug coverage into one private plan, with a yearly limit on what you can pay out of pocket.
Medicare Advantage is one of the most marketed — and most misunderstood — parts of Medicare. It can be a great fit for the right person. It can also be the wrong choice if you don't understand the network restrictions, prior authorization requirements, and what happens if you need care outside your service area. Select a topic below to go deeper.
How Part C plans are structured, what you still pay, what the out-of-pocket cap means in practice, and what prior authorization actually requires of you.
The four Medicare Advantage plan types — how each works, who can use which doctors, when you need referrals, and which type fits which lifestyle.
Side-by-side: networks, costs, out-of-pocket limits, extra benefits, prior authorization, travel coverage, and when Medigap fits in.
Open Enrollment, the Medicare Advantage Open Enrollment Period, Special Enrollment Periods, and what happens to your Medigap rights if you leave.
Betsy will compare the plans available in your area to Original Medicare + Medigap — and give you an honest assessment, not a sales pitch.
"Medicare Advantage plans are heavily advertised for a reason — the insurance companies that sell them are well-funded. That doesn't mean they're bad plans. Some of my clients are very happy with their Advantage plan, especially if they're generally healthy and want the dental and vision benefits. But I always make sure clients understand what they're giving up: freedom to see any doctor, no Medigap eligibility while enrolled, and potentially high out-of-pocket costs if they get seriously ill. This is the most important conversation I have."
Get a free, honest comparison from Betsy — an independent advisor who represents you, not any insurance company.
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