Who this coverage may be designed for
- People enrolled in Medicare Part A and Part B
- People comfortable reviewing a plan’s provider network and service area
- People who want one plan to coordinate Medicare-covered services
Private-plan alternative to Original Medicare
Medicare Advantage (Part C) plans
Medicare Advantage plans are offered by private insurers approved by Medicare. They include Part A and Part B and usually Part D, with plan-specific networks, costs, rules, and benefits.
What it generally covers
- All medically necessary services Original Medicare covers
- Usually prescription drug coverage
- Some plans offer additional benefits not covered by Original Medicare
Important limits and enrollment considerations
- Provider networks and prior authorization may apply
- Costs and benefits vary by plan and county
- You cannot use Medigap to pay Medicare Advantage cost sharing
Go deeper
Three guides that answer what people ask us next
Written and reviewed by a licensed agent, updated each plan year, and free of plan-specific claims that go stale in January.
What it costs in 2026
Every cost that can appear on a Medicare Advantage plan, the federal out-of-pocket limits, and two worked examples showing a healthy year against a hospital year.
Medicare Advantage costs →When you can enroll
All five enrollment windows, the exact 2026 and 2027 dates, Special Enrollment Periods, and the 12-month Medigap trial right most people learn about too late.
Enrollment periods and deadlines →HMO, PPO, or something else
How each plan type handles out-of-network care, referrals, and prior authorization, plus the three kinds of Special Needs Plan and who qualifies.
Compare plan types →Ask before you decide
Frequently asked questions about medicare advantage (part c) plans
Does guidance cost me anything?
No additional fee is charged to you for O’Neal Insurance Group’s guidance. Agents may be compensated by an insurance carrier when an enrollment occurs.
Is every plan available through the agency?
No. The agency does not offer every plan available in every area. Availability depends on location, eligibility, carrier appointment, and product availability.
Can I keep my doctors?
That depends on the specific plan’s current network. We can help you check the provider directory and encourage confirming directly with the provider.
Official resource
Check the source, then ask for personal help
Educational information is general. A licensed agent can help with plan comparisons; agents do not provide medical, legal, or official eligibility advice.
Orientación personal · Sin cargo adicional