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Medicare (Part C)

Medicare Part C is also called Medicare Advantage. It’s an alternative to Original Medicare (Parts A and B).

Medicare Advantage plans are offered by private insurance companies approved by Medicare. You must be enrolled in both Part A and Part B to join a Medicare Advantage plan. You’ll still be in the Medicare program, but you will receive your benefits through the plan instead of through Original Medicare.

What Does Medicare Part C Cover?

Medicare Advantage (Part C) plans combine coverage for hospital care, doctor visits and other medical services all in one plan. Plans are required to provide all of the benefits offered by Medicare Parts A and B (except hospice care, which continues to be provided by Part A). Many plans also provide prescription drug coverage and additional benefits like routine dental and eye care.

Medicare (Part D)

Medicare Part D is prescription drug coverage. It helps pay for the medications your doctor prescribes.

Original Medicare (Parts A and B) does not cover prescription drugs. Many people who choose Original Medicare add a prescription drug (Part D) plan or choose a Medicare Advantage plan that includes Part D.

In general, you may enroll in a Part D plan if you are entitled to Medicare Part A or if you are enrolled in Medicare Part B. In addition, you must live in the service area of a Part D plan.

What Does Medicare Part D Cover?

Medicare Part D Plans are required to cover certain common types of drugs, but each plan may choose which specific drugs it covers. The drugs you take may not be covered by every Part D plan.

Contact your agent to review each plan’s drug list and formulary to see if your drugs are covered.

What is the Medicare Donut Hole?

The Medicare Donut hole is a gap inside of your Part D plan. It is a period of the year when your medication costs can be higher.

Contact your licensed agent to discuss Rules and options for Part D coverage in your area.

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