Medicare Advantage plans, also known as Part C, bundle hospital, medical, and often prescription drug coverage. Learn how costs, networks, and quality ratings work so you can compare options by benefits, premiums, and out-of-pocket limits during the right enrollment period.

Medicare Advantage plans, also called Part C, are offered by private insurers that contract with Medicare to provide your Part A and Part B benefits in one package, often including prescription drugs. They may add extras like vision, dental, or fitness memberships, but coverage rules and costs can differ by plan and county.

Compare total costs, not just premiums. Look at deductibles, copays, and the out-of-pocket maximum, which caps how much you might spend in a year for covered services; once you hit that limit, the plan pays 100% for the rest of the year. Consider how your medications and anticipated care affect these numbers.

Check each plan’s network and rules. HMO options generally require you to use in-network doctors and get referrals for specialists, while PPO plans offer more flexibility and some out-of-network coverage at higher cost. Make sure your preferred clinicians and hospitals participate before you enroll.

Review quality and timing. CMS Star Ratings can help you gauge performance on member experience, preventive care, and customer service. Shop during the annual enrollment period, and use a Special Enrollment Period if you qualify after certain life events. Compare details at Medicare.gov or with a licensed advisor.