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¿Qué es Medicare Parte C?

Let’s start with the definition of Medicare Part C. Medicare Advantage plans, or Medicare Part C, are comprehensive plans that include the same benefits of Medicare Parts A and B plus additional coverage. That’s important if you need more than what Original Medicare provides. Here’s a comparison between Medicare Advantage and Original Medicare, so you can choose the best fit for you.

What does Medicare Part C cover compared to Original Medicare?

Medicare Part C plans cover Part A and Part B, and many also include prescription drug coverage and other benefits not available with Original Medicare. That’s why, of the approximately 64 million people who applied for Medicare, nearly 22 million of them opted for Medicare Advantage plans.1

Original Medicare includes Part A and Part B. Part A covers hospitalization, home care and other inpatient medical needs. Part B covers outpatient care such as doctor visits, medical tests, screenings and preventive care.

Many people may need more coverage for their health care needs. For example, Original Medicare doesn't have prescription drug coverage. Private insurers offer Medicare Part D coverage, but even then, there still may be areas of your health care where you need protection. That's where Medicare Part C plans come in.

1 https://www.kff.org/medicare/fact-sheet/medicare-advantage/

What are Medicare Part C benefits?

As you do with Part D, you apply for Medicare Advantage plans through private insurers like Anthem, who typically give you more coverage options. Plus, Medicare Advantage (Part C) has more coverage for routine health care that you use every day.

Medicare Advantage plans may include:

  • Routine dental care including X-rays, exams and dentures
  • Vision care including glasses and contacts
  • Hearing care including testing and hearing aids
  • Wellness programs and fitness center membership

What are Medicare Part C (Medicare Advantage) costs?

It’s pretty easy to find a Medicare Advantage plan that fits your budget. Premiums, deductibles and copays vary from plan to plan and state to state. Anthem has many options, and there are money-saving programs for low-income people, too.

Medicare Advantage plans also cap your out-of-pocket expense for Part C covered services. Once you reach the cap, you pay nothing for the rest of the year. That's one of the added benefits of Medicare Part C.

Compare Medicare Advantage plans

When you apply for Medicare you can compare your Medicare Advantage plan options.  Here are some key questions to ask:

What providers are available in a plan’s network?
Are your preferred hospitals or preferred doctors included in a Medicare Advantage plan? Providers can change yearly, so it’s best to make sure your family doctor is still in the plan after your initial enrollment. Just ask when you go for a doctor visit.

¿Qué medicamentos recetados están cubiertos?
You can use our find a drug tool to see what drugs are available in the plan. If you need medications, are they available and affordable under a selected plan?

What are the maximum out-of-pocket costs?
Weigh your budget with coverage to find a plan that fits your needs. A lower out-of-pocket maximum may be preferable so you have peace-of-mind protection for unexpected injuries or illnesses.

How to enroll in a Medicare Part C plan
If you are applying for Medicare for the first time, you can choose a Medicare Advantage plan during the Initial Enrollment Period (IEP). This is the seven-month period that includes:

  • Three months before your 65th birthday
  • Your 65th birthday month
  • Three months after your 65th birthday

If you're already enrolled in Original Medicare, you can change to a Medicare Advantage (Part C) plan during the Medicare Annual Enrollment Period, which is October 15 to December 7. Make sure to consider Medicare Part C for all the cost savings and benefits. You can also switch to a different Medicare Advantage plan during this time.

The Medicare Advantage Open Enrollment Period from January 1 to March 31 also gives you the flexibility to switch or drop your Medicare Advantage plan for any reason.

Looking for the perfect plan that fits you is a good way to research Medicare. And as your health care needs change, you can use the enrollment periods to make changes to your coverage.

Compare the cost and coverage of Medicare Advantage plans. Find a plan that fits you.

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Y0114_20_113219_U   Aceptado por los CMS el 9/10/19
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Anthem Blue Cross and Blue Shield es el nombre comercial de: en Colorado, Rocky Mountain Hospital and Medical Service, Inc. Los productos del plan HMO están suscritos por HMO Colorado, Inc. En Connecticut: Anthem Health Plans, Inc. En Georgia: Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. En Indiana: Anthem Insurance Companies, Inc. En Kentucky: Anthem Health Plans of Kentucky, Inc. En Maine: Anthem Health Plans of Maine, Inc. En Misuri (a excepción de 30 condados del área de Kansas City​​​​​​​): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC) y HMO Missouri, Inc. RIT y ciertas afiliadas administran los beneficios que no son del plan HMO suscritos por HALIC y los beneficios del plan HMO suscritos por HMO Missouri, Inc. RIT; y ciertas afiliadas solo prestan servicios administrativos a planes autofinanciados y no suscriben beneficios. En Nevada: Rocky Mountain Hospital y Medical Service, Inc. Los productos del plan HMO están suscritos por HMO Colorado, Inc., cuyo nombre comercial es HMO Nevada. En New Hampshire: Anthem Health Plans of New Hampshire, Inc. Los planes HMO están administrados por Anthem Health Plans of New Hampshire, Inc. y suscritos por Matthew Thornton Health Plan, Inc. En Ohio: Community Insurance Company. En Virginia: Anthem Health Plans of Virginia, Inc. opera comercialmente con el nombre Anthem Blue Cross and Blue Shield en Virginia, y su área de servicio abarca todo Virginia con excepción de Fairfax, Vienna y el área este de State Route 123. En Wisconsin: Blue Cross Blue Shield of Wisconsin (“BCBSWI”), que suscribe o administra las pólizas del plan PPO y las pólizas de indemnización, y suscribe los beneficios fuera de la red de las pólizas POS ofrecidas por Compcare o WCIC; Compcare Health Services Insurance Corporation (Compcare) suscribe o administra las pólizas HMO y Wisconsin Collaborative Insurance Company (WCIC) suscribe o administra las pólizas HMO o POS de Well Priority. Licenciatarios independientes de Blue Cross and Blue Shield Association. Anthem es una marca comercial registrada de Anthem Insurance Companies, Inc. Los nombres y los símbolos de Blue Cross and Blue Shield son marcas comerciales registradas de Blue Cross and Blue Shield Association. La utilización de los sitios web de Anthem constituye su aceptación de nuestros términos de uso.